Building Insurance and Fire Safety: What Insurers Expect in 2026

Insurance requirements increasingly drive fire safety decisions. We explain what insurers expect and how to reduce premiums.. The Insurance Fire Safety Link Insurance premiums for multi storey residential buildings have increased by 300 500% since Grenfell. Understanding insurer expectations is now critical. What Insurers Want 1. EWS1 Form — external wall fire review for buildings with cladding 2. Current fire risk assessment — less than 12 months old 3. Remediation evidence — proof of completion for identified defects 4. Sprinkler certification — third party maintenance records 5. Fire door condition — evidence of quarterly checks 6. Building Safety Case — for higher risk buildings For fire safety insurance advice, contact us.