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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
www.waterenvironment.org.uk
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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Why ‘Property Flood Resilience’
• First line of defence•Or measure of last resort?
•Whole Property concept
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Why ‘Property Flood Resilience’
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Why ‘Property Flood Resilience’Whole Catchment FRM
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Why ‘Property Flood Resilience’Resistance
Image courtesy of Whitehouse Construction
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Why ‘Property Flood Resilience’Resilience
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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
www.waterenvironment.org.uk
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
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PFR in Action
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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
www.futurewaterassociation.comwww.waterenvironment.org.uk
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
www.futurewaterassociation.comwww.waterenvironment.org.uk
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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
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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
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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
www.waterenvironment.org.uk
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
www.waterenvironment.org.uk
The CoP StructurePart A: How to use the
Guidance
PART BCode of Practice
Standard 1: Hard Assessment
Guidance for Planners
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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
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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
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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
www.futurewaterassociation.comwww.waterenvironment.org.uk
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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
www.futurewaterassociation.comwww.waterenvironment.org.uk
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
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Help Needed