Case: Willis Denmark
Repair of damage from damp can cost housing associations millions. Insurance broker Poul Ørum therefore advises housing associations to monitor humidity with Brunata’s humidity meter and alerts.
Many housing associations are only insured against damp and mould fungus in connection with consequential damage, such as burst pipes or a fire resulting in damage from water and damp. By contrast, housing associations cannot insure against inappropriate usage and behaviour, explains Poul Ørum, Deputy Director in the insurance broker company Willis Denmark.
Changes in behaviour cause damp problems
Housing associations, cooperative housing, homeowners’ associations and property companies are increasingly experiencing problems resulting in damp and mould fungus
”These days, many family members have a shower every morning, then rush off without having time to air the room afterwards. Many residents also are not aware that drying clothes indoors, boiling potatoes without a lid or spending time indoors in groups is damp-causing behaviour".
Insurance does not cover inappropriate usage and behaviour
”Repaid of just one incidence of damage from damp typically costs at least DKK 50,000. We have seen damage from damp costing several million Danish kroner and the housing associations have to pay themselves,” he says.
Among other things, Willis Denmark advises housing associations, housing organisations and rental properties on risk management and the clear recommendation is: Monitor humidity by installing Brunata’s remotely read humidity meter Futura Hygro and Brunata’s humidity alerts in all flats to reduce the insurance premium.
”Initially installation of humidity meters may result in stabilisation of the insurance premium so that it does not increase. If it can be proven that the humidity meters genuinely alleviate the problem in the form of less damage, the insurance premium may drop and the cost of insurance be reduced,” he explains.
Futura Hygro registers the relative atmospheric humidity in the homes several times a day and transmits data to Brunata’s database service, which enables residents and administration to monitor the humidity level via a personal login to Brunata WebMon and Visual.
In addition, housing associations, housing organisations and rental properties can be helped by Brunata’s online humidity alert. The administrator sets the alert, which on a daily basis provides direct notification if any meters register too high atmospheric humidity in relation to the alert.
In this way, housing associations can act quickly against high atmospheric humidity, thus saving money, Poul Ørum emphasises.
Quick return on investment in meters
”There is a quick return on investment in humidity meters and alerts, compared with the cost of repairing damage. The total property industry would save many millions by installing humidity meters and alerts to monitor humidity and catch problems at an early stage,” Poul Ørum concludes.
In Poul Ørum’s opinion, Brunata’s humidity solutions will not only provide financial benefits, but also ensure more satisfied customers of the country’s administrators, boiler men and caretakers, who on the basis of the measurements can enter into a dialogue with the residents about how to ensure a good interior climate without having to visit every single flat.
”They can provide a better experience for their tenants. By measuring the humidity and alleviating problems caused by mould fungus, allergies and sick children, they demonstrate that the creation of a healthy environment is important to the housing association,” he says.