Fire Resistant Siding

Fire-Resistant Siding

According to the U.S. Fire Administration, U.S. house fires cause more than 72 percent of fire deaths. Fires also lead to billions of dollars in losses each year. As a homeowner, you need to do everything you can to protect your property.

Fire-resistant siding is one exterior home option that prevents fire from causing as much damage, which may improve your peace of mind and wallet.

Fire Resistant House Siding Materials
The siding is your home's first line of defense against fire, and fire ratings measure its fire resistance. Fire ratings, created by the U.L., test against the material's combustion or non-combustion abilities. Combustible materials, the most dangerous in a fire, catch fire quickly and spread that fire rapidly.

Although wood siding is still a popular choice for homeowners, it is combustible. You can treat wood siding with fire retardant chemicals. However, it still will not be as flame retardant as fire-resistant siding options. Likewise, vinyl siding melts when exposed to fire and is a poor choice.

Conversely, non-combustible fire-resistant materials still catch on fire, but they slow the spread of fire, giving you extra time to escape a burning house. Pay attention to the fire rating of the siding you buy.

Fire Ratings for Siding
Flame spread ratings indicate how resistant to fire a specific material is based on the total time the siding can withstand fire. E.g., 2-hour fire-resistant siding will hold fire for one hour before the structural integrity of the siding spreads and fails.

The slower the flame spreads, the more resistant the material. Lower flame spread ratings are better than higher ratings.

  • Class A materials have a fire rating of 0 to 25 and resist severe fire exposure.
     
  • Class B materials have a flame spread rating of 26 to 75 and resist moderate exposure.
     
  • Class C materials have a fire rating of 76 to 200 and are only helpful with light fire exposure.

The sheathing or gypsum wallboards used under siding matter too. Every layer between your home's interior and its exterior should have a low fire rating.

Home construction materials include time ratings, the time it takes flames to spread. Classifications include 1-hour, 2-hour, 3-hour, 4-hour, and non-rated siding. Here is a list of materials and their fire resistance.

The following table is No. 7-7-W-A from 1997 U.B.C. Standards:

Description of Material Minutes
3/8-inch exterior-glued plywood 5
1/2-inch exterior-glued plywood 10
5/8-inch exterior-glued plywood 15
3/8-inch gypsum wallboards 10
1/2-inch gypsum wallboards 15
5/8-inch gypsum wallboards 30
1/2-inch type X gypsum wallboards 25
5/8-inch type X gypsum wallboards 40
3/8-inch double gypsum wallboards 25
3/8-inch + 1/2-inch gypsum wallboards 35
1/2-inch double gypsum wallboards 40

Best Fire-Resistant House Siding Materials
Metal is naturally resistant to fire. That makes metal one of the best choices in fire-resistant material. It will withstand the heat from fire for the longest time without deteriorating.

Choosing a siding made from fire-resistant materials is one of the best ways to protect a home. Several materials are common in fire-resistant siding. Some of the best fire-resistant materials include:

Metal
Siding made of metal, such as steel siding, is fire resistant. Other types of metal siding materials include tin, aluminum, zinc, and copper.

Cost
Depending on the type of metal, metal siding costs range from $1 to $35 per square foot. The least expensive metal is tin. The most expensive metal is copper.

Pros

  • Stylish and modern
  • Different metals to choose from
  • Sustainable
  • Low maintenance
  • Durable
  • Repels insects
  • Lasts 30 to 50 years
  • Class A fire rating

Cons

  • Higher upfront costs than some other options
  • It may not be visually appealing for some people
  • Vulnerable to dents
  • Not as many color and style options
  • Has gaps that may allow the fire to penetrate

Fiber Cement
Fiber cement is a composite of wood fibers, sand, and cement. This material can withstand several hours of high heat from a fire before breaking down.

Cost
The cost of fiber cement sidings ranges from $5 to $14 per square foot. Its cost depends on the amount you need and the brand you choose. High-end brands like James Hardie tend to cost more than other brands.

Pros

  • Durable
  • Lasts 25 to 40 years
  • Cheaper than high-end metals
  • Lots of color options
  • Class A flame spread rating

Cons

  • Requires professional installation
  • Flame retardant, but not wholly fire resistant
  • Needs repainting periodically
  • More maintenance than other options
  • Poor insulation value

Brick Siding
Brick siding has between 1 and 4 hours of fire resistance. Clay, brick's primary ingredient, fires around 20008 F, making it non-combustible.

Brick does not have caulked joints, so it keeps flames away from stud cavities and the wall's interior. That prevents flames from getting behind the siding to the home's more interior combustible items like wood flooring and furniture.

Ultimately, a brick siding's fire resistance calculation depends on all materials and their thickness to create the brick exterior wall. Four U.L. tests provide examples of what is possible; U302, U418, U425, and U902.

  • U302 produces a 2-hour rating. It has a brick veneer drainage wall with gypsum sheathing, wood studs, and wallboard.
     
  • U418 and U425 vary between 1 to 2 hours. They have brick veneer drainage with gypsum sheathing, steel studs, and wallboard.
     
  • U902 has a 4-hour rating. It has a drainage wall with concrete masonry units and a brick veneer.

Cost
The cost of brick, stone, and stucco ranges from $4 to $50 per square foot. Brick veneer is the least expensive, while stone options are the costliest.

Pros

  • Good insulation factor
  • Made from readily available materials
  • Durable and long-lasting
  • Brick lasts 50+ years

Cons

  • Not as fire resistant as other materials
  • High-end products are very expensive
  • May require more maintenance (especially stucco)
  • High installation cost
  • May wear and change color over time
  • Needs weep holes or drainage plane

Stone Siding
As with brick siding, stone siding and stone veneer is highly fire-resistant. It is simple to understand; you cannot light a stone on fire. However, stone siding, like brick siding, has cavities where fire can seep in. So, it is critical to use a professional installer who will use fire-resistant materials during installation.

We recommend using fire-rated mortar. If you are using a stone veneer, layers of gypsum are ideal since it is 22 percent chemically treated water. That slows heat transfer from the stone siding to your frame. The fire resistance is also improved with masonry-block under stone siding instead of a wood frame.

Pros

  • Many colors and styles are available
  • Good for hot climates
  • Stone lasts 50 years
  • Stone veneer lasts 25 to 40 years

Cons

  • High installation cost
  • Mortar wears over time
  • May not insulate well in cold climates

Stucco Siding
Stucco siding, also recognized as plaster siding, combines sand, Portland cement, lime, and water and has a natural ability to resist fire. Most synthetic and traditional stucco siding installations have a 1-hour fire rating if installed properly by stucco siding installation experts.

Professional installers apply three coats for a thicker, seamless finish to prevent flames from spreading quickly. Stucco is affordable and easy to maintain, and it lasts for decades.

Pros

  • Different colors available
  • Works on various surfaces
  • Lasts more than 50 years

Cons

  • Only moderate fire resistance
  • Susceptible to damage
  • It takes several weeks to cure
  • May mold or rot in some climates

Homeowners Insurance and Fire-Resistant Siding
Home insurance companies typically offer discounts, up to 20% off, to homeowners with fire-resistant siding. You can apply for these discounts by speaking with your insurance agent.

Perils Covered by Home Insurance; Perils NOT Covered by Homeowners Insurance

Keep in mind that homeowners insurance typically covers damage to your siding. But, to qualify, the damage must be the result of a covered event. Your insurance policy will not cover normal wear and tear.

To preserve your insurance benefits, replace siding before the end of its lifespan.

Tips for Filing a Claim for Siding Damaged by Fire
If your siding sustains damage in a fire, you can file a claim. Follow these tips for the best results.

  • Be sure to begin the claims process as quickly as possible after the damage.
     
  • Carefully document all damage so you can support your claim.
     
  • Contact a siding professional to get an estimate for repairs.
     
  • As you move through the claims process, keep in regular contact with your claims adjuster.

Conclusion
Fire-resistant siding is a good investment for any homeowner. This siding reduces the risk of damage to your home from fire. It can also save you 20% on your home insurance. Plenty of options are available to satisfy different budgets and priorities.

Hope that helps!

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At your service,
Young Alfred