Flood EX 2019 Property Flood Resilience - ensuring …...08/03/2019 FloodexUK Thursday 28th February 2019 1 Property Flood Resilience – Ensuring Take ‐Up of the New Code of Practice

08/03/2019

FloodexUK Thursday 28th February 2019 1

Property Flood Resilience – Ensuring Take‐Up of the New Code of Practice

Building trust in property‐based measures to mitigate flood risk

Alastair Moseley FICE FCIWEM – Director

H2O WEM Ltd

Honorary Vice President of the Chartered Institution of Water and Environmental Management

Director of Future Water Association

www.waterenvironment.org.uk

Overview

Why ‘Property Flood Resilience’

Why a Code of Practice is needed

Origins and funding

Management and Delivery

Work to date

Next steps: Structure and content

Timeline

Intended outcomes


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Why ’Property Flood Resilience’

1 in 6 properties at risk of flooding

Over 5 million people at risk

Over 300,000 businesses at risk

Current FRM investment to 2021 ‐ £2.3bn

Cost to UK of 2015/16 winter storms > £6Bn

Typical return on investment must be > £8 for every £1 invested


Why ‘Property Flood Resilience’A Challenge that will only ever increase

• Estimated cost of 2015 Floods > £5.0Bn

• Insurance losses estimated > £1.5Bn

• Frequency of severe storms is increasing

• Cost of providing flood mitigation becoming unaffordable


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• First line of defence•Or measure of last resort?

•Whole Property concept




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Why ‘Property Flood Resilience’Whole Catchment FRM


Why ‘Property Flood Resilience’Resistance

Image courtesy of Whitehouse Construction


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Why ‘Property Flood Resilience’Resilience


Image courtesy of BRE

Why ‘Property Flood Resilience’Resilience rather than protection

• Impossible to prevent property flooding completely

• Protection measures mitigate flood risk

•Where measures breached – properties need to be able to be returned to use quickly

• Resilience measures enable this

• Integrated approach ‐ PFR

www.futurewaterassociation.comwww.waterenvironment.org.uk

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Why ‘Property Flood Resilience’Community Confidence

PFR should:• Be passive and effective• Give peace of mind to householders• Allow more properties to be protected in a wider

set of flood risk scenarios• Enable flooded properties to be brought back into

use as quickly as possibleBut….• For this to be achievable wide ranging standards are

needed

Image courtesy of Whitehouse Construction


Why a Code of Practice is neededCurrent barriers

• Unregulated cottage industry

• Training currently available for contractors and installers is limited and inconsistent

• No specific skills or qualifications currently available

• Success relies on conscientious providers

• Too many rogue traders and horror stories

• Householders left at risk of flooding and loss

• Lack of confidence including insurers


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Why a Code of Practice is neededSome examples of bad practice

Examples demonstrate:

• Poor workmanship

• Lack of understanding of flood routes

• Poor value for the householder

• The misleading impression that the property is protected


PFR in Action


Images courtesy of Mary Dhonau

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Why a Code of Practice is needed

• In future the term adopted for property level protection will be Property Flood Resilience

• The Code of Practice for PFR will embrace:

All stages of the PFR process

Allow development of specific standards for each stage where needed e.g. surveying; products (PAS1188); installation

Give confidence to everyone involved from householder to installer and insurer


Origins and Funding

Joint Industry Initiative involving:

Professional InstitutionsGovernment

The Insurance IndustryThe Standard‐Writing bodies

Government started the process in 2016 – and now the industry is taking it forward backed by respected professional institutions

PFRAP (Bonfield) Report; ICE; CIWEM; RICS; Bsi; BRE


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Origins and Funding Industry led initiative in partnership with the Flood Resilience Action Plan

Produced by CIRIA and BRE led by ICE, CIWEM and RICS, reporting to the PFRAP Steering Group

Developed in consultation with Industry

Aim is to be seen as independent and to be trusted by all parties

Funded by Industry

Referred to in the Government 25‐Year Environment Plan

Heralded as an exemplar of Industry/Government collaboration


Origins and Funding

Funders

• Aviva• Environment Agency

• Scottish Government

• Welsh Government

• Department for Infrastructure


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Management and DeliveryProject manager

• Paul Shaffer, CIRIA

Project team• David Kelly, BRE• Jessica Lamond, UWE• Steve McKeown, Whitehouse Construction• Eleanor Blundell, Environment Agency

Project Steering Group• Chair ‐ David Balmforth, ICE/MWH• 50+ Individuals and businesses from across flood mitigation and regulation

Overseen by• CIWEM, ICE and RICS

Reporting to Task Group 4 of PFRAP


Management and Delivery

The overall aim of the project is to:

“develop a robust and authoritative Code of Practice (CoP) and consolidated guidance that provides a standardised approach for the delivery and management of property flood resilience (PFR).”


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Management and DeliveryProject drivers

• Develop an integrated approach that covers the whole lifecycle of PFR delivery

• Consolidate the diverse range of information, guidance, standards and training (no wheel reinvention).

• Create intelligent clients and a reputable PFR industry

• Enable the insurance industry to encourage PFR

• Look at retrofit AND new build


Scope of the Code of PracticeThe Code of Practice will embrace:

• Engagement with those managing the flood risk

• Assessment of property flood risk

• Specification of PFR approaches, including the development of the overall design philosophy

• Installation including the provision of appropriate post installation support

• Survey and certification of the installation to ensure it is built as specified

• Enabling affordable insurance for properties at risk of flooding


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Code of Practice ‐ Objectives

• Enable PFR to effectively contribute to managing flood risk as part of an overall strategy for flood risk management

• Develop straightforward guidance on the specification and approval of appropriate PFR measures and processes.

• Develop an integrated approach to improve PFR, from initial survey through to the management and operation of PFR measures.

• Provide a foundation for training

• Give confidence to insurers and lead to more affordable and sustainable insurance of properties


The CoP StructurePart A: How to use the

Guidance

PART BCode of Practice

Standard 1: Hard Assessment

Guidance for Planners


PART CGuidance on Achieving

Standards 1 to 6

PART DSupplementary Information

relating to Standards 1 to 6

Standard 2: Property Survey

Standard 3: Options Appraisal

Standard 4: Construction

Standard 5: Commissioning and Handover

Standard 6: Operation and Maintenance

Guidance for End Users

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The CoP Structure


The CoP Structure


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Time Line

Two‐Year Project Commencement April 2017

Survey and literature review complete September 2017

First Working Draft Q1 2018

Consultation Q3 2018 Final Draft Q1 2019 Publication and launch Q3 2019 Promotion and take up – Q4 onwards. 5 Year Plan


Disseminate as widely as possible:

• Free to download

• Also available to purchase in hard copy

• Actively publicise through trade press, regulators, insurers, etc

Ultimately make available in different target audience formats (subject to funding) such as:

1. Detailed comprehensive CoP and guidance for practitioners

2. Simple non‐technical guidance for property owners/managers

3. Simple guidance and checklists for local authority planners and developers

Next Steps Dissemination of CoP and guidance


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Code of Practice

Code of Practice

Steps to achieve end state

• The code will be ready for consultation by the end of March• Draft code• Launch event (of consultation period?)• Consultation ‐ who/how? What does success look like?• Who owns the final document and governs all the amendments?• Finalise the code• Publicise the code, marketing and awareness• Engage all the relevant bodies to embed into policy, perhaps using pathfinders as demonstrators of how resilience

can be included in building work

End State

The way in which all property building work is carried out to minimise the impact of water/flood damage

Insurance‐Driven Roadmap

UK‐WIDE DATA

CODE OF PRACTICE

EA & HOMEOWNER ASSESSMENTFRAMEWORK (HOMES)

SME ASSESSMENT FRAMEWORK (BUSINESSES)

DEMONSTRATORSPRE‐ & POST‐ FLOOD

FLOOD CERTIFICATIONPROGRAMME

1. INSURANCE u/w TOOLS & PRICING MODELS

EMBEDDINGIntegrated within underwriting & financial assessment processes

NORMALISINGMandatory accreditation

programme for UK properties

DEMONSTRATINGProgramme of UK‐wide

demonstrators pre‐ & post‐loss

STRUCTURINGPractical methodologies

for assessing homes & businesses

UNDERPINNINGData and code of good practice that inform & justify resilience activities

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Target audiences include:1. Property owners and managers (residential and business)

2. Local authority planners, developers and regulators specifying PFR for new build and retrofit situations Property surveyors

3. Manufacturers and suppliers of PFR measures

4. Construction contractors and installation companies (involved in installing PFR measures)

5. Insurers, loss adjusters (and insurance brokers)

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Next Steps ‐ Dissemination of CoP and Guidance

Desired Outcomes

To be effective the Code of Practice must:

• Provide an approach, set of standards and methods for delivering and managing PFR

• Standardise processes of delivering and managing PFR

• Provide guidance that underpins training for surveyors and associated certification for PFR

• Provide guidance that gives confidence to homeowners, property owners/managers, risk management authorities and insurers that PFR can be delivered in accordance with good practice

• Be freely available


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Summary

The Code of Practice will:Address the whole fabric of the building in a structured mannerCreate an affordable and effective first line of defenceEnable insurers to provide affordable insurance at market rates beyond FloodREGive a recourse to action for insurers where process has not been followedEmpower individuals, communities or agencies to actBecome ‘business as usual’ for building design in flood risk areas


Emag Case Studies

• Mary Dhonau is preparing an EMag of case studies of homes/businesses that have adapted the properties to make them resilient to future floods

• The idea behind the EMag is to have information readily available to future flood victims, to enable them to think about recoverable repair

• If anyone does know of any potential case studies, please contact Mary directly at

[email protected]

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Help Needed

Documents

Flood EX 2019 Property Flood Resilience - ensuring …...08/03/2019 FloodexUK Thursday 28th February 2019 1 Property Flood Resilience – Ensuring Take ‐Up of the New Code of Practice