In Focus: SIPs

Are structural insulated panels a long-term solution? Mark Brinkley examines the pros and cons of this innovative construction system.

In Focus: SIPs

The owners of this SIPs self-build chose the system for its design flexibility, low wastage and insulative properties. The SIPs have been strapped and sheeted with 100mm cavity and 100mm blockwork. Read more about this project.

"I’m thinking of using SIPs (structural insulated panels) to build my four bedroom home, as I’ve heard the system offers high levels of insulation, airtightness, and a fast build route. However, can I insure a SIPs house? More importantly, I’m worried about the longevity of SIPs. I don’t want to be a guinea pig for a system which is not ‘tried and tested’ like masonry."

Mark Brinkley says: SIPs (structural insulated panels) are formed as solid panels of insulation – either expanded polystyrene or a type of polyurethane – sandwiched between two rigid boards which, combined, makes panels very strong and durable. As you mention, they also provide excellent insulation and airtightness — two qualities required for a low-energy house.

SIPs are an off-site construction system. The structure is built in a factory, taken to site on the back of a lorry and erected (very quickly) with the aid of a large crane. In this respect, they share many of the same benefits as timber frame building methods. Where SIPs differ from timber frame is that insulation is already built into the structure — meaning an extra task is removed from the build process. Where this really comes into its own is in the roof structure, which is much simplified with SIPs. Instead of building up a conventional roof or a series of roof trusses, SIPs can be simply laid across supporting beams. This is ideal for creating living space in the roof.

Would you be a guinea pig? Hardly. The first SIPs house was built in the US state of Wisconsin in 1937 and is still being used. Since then, hundreds of thousands of SIPs homes have been built around the world in all kinds of climate zones, withstanding hurricanes and earthquakes much better than most traditional building forms. SIPs have proven to be durable and robust.

In Britain, SIPs homes first appeared in the 1990s and there has been a steady trickle ever since, including a number of self-builds. Cost has been the main factor in SIPs not being more widely adopted. However, the cost differential between SIPs and the more conventional construction forms is getting smaller as legislation drives insulation levels ever higher. Some now question whether SIPs are any more expensive at all. Indeed, Custom Homes now offers its standard range of homes with SIPs at no additional cost.

If SIPs have a weakness, it is that the timber elements are susceptible to rot. For this reason, standard SIPs are not recommended in flood-risk areas. Having said that, the risk is no different to timber frame housebuilding in general, and the timber elements in masonry homes. Experienced designers know how to detail for this correctly: one of the key things to look for is that the external cladding (be it walling or roof cover) is effectively isolated from the internal load-bearing structure.

What about insurance and warranties? All the main suppliers are able to offer latent defect warranties on their build systems. This means that any SIPs-built house will be recognised by insurance companies and by Building Control. There should, therefore, be no difficulties in either insuring the finished house, or selling it on.

A new development in the growing SIPs market is the formation of a trade organisation to act as a mouthpiece for the British SIPs industry. Details of the members – and a good place to look for suppliers – can be found at uksips.org.

 

Further reading:

 

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Author
Mark Brinkley
Photographer
Douglas Gibb
Issue date:
September 2009
#1

Insurance cover for SIPS built house

Bill Porritt's photo

Most insurers (e.g. Sainsbury's underwriter) won't even quote for a SIPS house; the few that do quote (e.g. AXA) impose a large premium.
Any advice or suggestions?
Regards
Bill

#2

Hi Bill, These articles may

Samuel Joy's photo

Hi Bill,

These articles may be of some use

http://www.homebuilding.co.uk/feature/pre-start-essentials

http://www.homebuilding.co.uk/feature/self-build-warranties

Kind regards,
Sam Joy (Online Editor)

#3

Insurance cover for SIPS house

Anonymous's photo

We're having great problems too in getting insurance for our completed house. It simply doesn't figure in the insurance companies' possibilities for types of house, and therefore incurs a huge premium. We haven't yet found a company that has ever heard of SIPS. It's also urgent, as we have our completion certificate so our self-build policy no longer applies. But we didn't anticipate the problem so hadn't carried out research in advance.
Would much appreciate any advice from anyone who has successfully got cover at a reasonable price.

#4

Hiya, It would be a good

Samuel Joy's photo

Hiya,

It would be a good idea to go back to the manufacturer of your SIPs home, as they should be able to provide you with details of those who will insure their product.

Kind regards,
Sam Joy (Online Editor)

#5

Insurance cover for SIPS house

Anonymous's photo

Well, it was Kingspan. I did go back to them as soon as we started to run into problems with insurance companies. Kingspan just said that insurers ought to recognize it, as it had passed all the necessary technical tests and isn't high risk. Not v helpful in practice. We just had to pay more. Part of the problem is that our cladding is render onto renderboard. Several insurers said that had we used blocks or bricks to clad the exterior then they would have been happy - even though we pointed out that such cladding would not have been structural, just cosmetic.
I think it's something that ought to be made clear to self-builders. And somehow the message needs to get across to the insurance industry, but I don't know how.

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