Union Jack flag icon Canada flag Canada Ireland flag Ireland
Church
Insurance specialisms
Financial advice
Resources
Insurance specialisms
Schemes
Resources
Risk management Green roofs

Managing risks with green roofs

Risk management Green roofs
The risks associated with green roofs and how to reduce them.

What is a green roof?

Green roofs, otherwise known as living roofs or sedum roofs, are a popular choice for a sustainable building design. They can help improve your sustainability credentials and boost energy efficiency.

Green roofs are deliberately constructed to support plants and other growing media. They are not just a flat roof decorated with planted flowerpots.

Types of green roof

Living roofs are divided into three main types:

  • Extensive living roof systems offer visual or biodiversity benefits while supporting plants with lower maintenance requirements.
  • Intensive living roofs (often called roof gardens) are spaces for people to enjoy. They are generally accessible and need a higher level of maintenance, including regular watering.
  • Biodiverse roofs attract wildlife and aim to recreate or enhance a habitat lost by building work.

Green roof construction

All living roofs are built-up roof systems that comprise of different layers, including a frame and deck, insulation, water-resistant layers, and a media in which the plants can grow.

The supporting frame and deck can be made from concrete, steel, or timber. Many different materials, including combustible insulation, can also be used.

The materials used to hold and grow the plants may be organic or inorganic in type. Inorganic materials can include shale, clay, mineral wool, and pumice.

Layers may also serve other purposes, acting as filters, drainage, moisture retention use a vapour control, root barriers, thermal insulation, or as part of the structure.

Green roof safety: Managing fire risks

The level of fire risk can depend on the supporting roof frame and deck, and the materials used in each layer. The type of plant you grow will also be a factor.

The combination of a timber roof deck and foam-based insulation material presents a significant fire risk. In periods of dry weather, non-irrigated green roofs may dry out, and this combination has the potential to cause rapid fire spread across the roof.

From an insurer’s perspective, non-combustible materials are preferred, for example:

  • A deck constructed of steel or concrete
  • An insulation layer using non-combustible mineral wool or cellular glass

The current UK Code of Practice for green roofs: The Gro Green Roof Code by The Green Roof Organisation (GRO), advises that living roofs have borders and upstands (for example, around roof lights) with a shingle perimeter to act as a fire break.

Larger living roofs may have a wider shingle perimeter or concrete fire breaks at designated intervals to stop the spread of fire. You should carry out regular inspections of the roof to prevent weed growth over the fire break area.

Generally, ‘Extensive’ roofs are not irrigated, and the fire risk must be managed by the specification of the roof build-up and the inclusion of fire breaks. Maintenance should account for any dry spells (especially for wildflower systems) and prevent large volumes of dry material from building up, particularly in areas where a carelessly discarded cigarette could cause a fire.

Green roof safety: Managing water risks

Damage to the waterproof layer will require the removal and replacement of the damaged section. Tracing the source and replacing the damaged area can be labour-intensive and costly, so a small leak can lead to a big claim.

  • Always use contractors with the appropriate qualifications, knowledge, and experience, for example, LANTRA qualified, and who follow the Gro Green Roof Code of Practice.
  • Install a root barrier to protect the waterproof layer from damage over time.
  • Regular visual inspection of the roof and its underside will help you find water leaks sooner. Water leak detection devices can be used as part of this process.

Risk advice line

Customers can contact our experts for specific risk advice:

0345 600 7531

9am to 5pm Monday to Friday (excluding bank holidays)

Risk Management – Customer Opinion Results 2024, responses from 203 customers

More building services articles

Building services

Protecting your property from water leaks

A water leak can cause a significant amount of damage to your property, especially if it goes unnoticed.

Building services

Managing risks with solar panels

Solar panels can help reduce energy costs and cut carbon emissions. They only require daylight, rather than direct sunlight so they work even on a cloudy day.

Building services

Valuing your property

Ensuring your buildings are adequately insured is vital for your insurance policy and will allow repair or rebuild of your premises following a loss.

Building services

Our buildings valuation service

Building valuation services are increasingly rare from insurers. We believe it’s an essential part of making sure you get the protection you need.

;