Insurance premiums for buildings with fire safety concerns have increased by up to 1,400%. We analyse the insurance market's response to the UK's building safety crisis.. The Insurance Crisis The building safety crisis has created a parallel insurance crisis: Premium increases of 200 1,400% for buildings with cladding issues Some buildings becoming uninsurable through mainstream markets Excess levels increasing from £250 to £250,000+ Buildings insurance costs passed to leaseholders as service charges What Underwriters Look For Red Flags Any combustible cladding system Outstanding fire risk assessment actions Missing or defective compartmentation No sprinkler system in high rise buildings Previous fire incidents Green Flags Recent comprehensive fire risk assessment Third party certified fire doors Working sprinkler system Current EWS1 B1 rating Active maintenance contracts for fire systems Reducing Premiums Investment in fire safety can dramatically reduce insurance costs: Improvement Typical Premium Reduction Sprinkler installation 30 50% Cladding remediation 60 80% Fire door replacement 10 15% Enhanced detection 5 10% For fire safety improvements that reduce insurance costs, contact us.