Property Integrity Amidst Climate Change

In the Philippines, where frequent typhoons, earthquakes, and severe weather conditions occur, structural integrity is a crucial concern that demands attention. With the growing impact of climate change, buildings and homes face increasing stress from both environmental factors and natural disasters. The relentless combination of heavy rainfall, intense heat, and strong winds already weakens properties, but the greater challenge comes from the country's regular seismic activity.

In 2022, after a magnitude 7.0 earthquake, the Department of Public Works and Highways (DPWH) mandated building engineers nationwide to conduct structural integrity assessments. This initiative highlighted the importance of ensuring that both public and private structures are equipped to withstand future tremors. With earthquake magnitudes on the rise, meeting safety standards has become more urgent than ever. Routine assessments and proactive maintenance are no longer optional—they are critical for public safety.

The structural risks posed by typhoons and earthquakes threaten buildings across the country. While weather fluctuations—from scorching summers to torrential rains—gradually deteriorate structures, natural disasters like earthquakes can cause sudden, catastrophic damage. History shows that ignoring these vulnerabilities can lead to collapses, endangering lives and livelihoods.

The proactive measures to inspect properties following major earthquakes and typhoons underscore the need for ongoing vigilance. Any damage, whether visible or not, can compromise a building's ability to endure future events. Early detection and timely repairs are key to preventing these issues from escalating.

Adhering to national building standards, such as the National Building Code and the Structural Code of the Philippines, is essential to minimizing these risks. The 12-point checklist developed by PHIVOLCS and the Japan International Cooperation Agency (JICA) serves as a valuable tool for evaluating earthquake resilience. Properties on this checklist are better equipped to handle earthquake-related damages, offering peace of mind to owners and occupants alike.

As an insurance broker, our services go beyond providing coverage. We conduct property surveys and offer loss mitigation recommendations to help prevent potential damage. Our end-to-end approach ensures that property owners receive comprehensive support, from risk assessment to full protection, giving them confidence that their assets are secured at every stage.

Structural integrity isn’t just about aesthetics; it’s about ensuring that buildings can withstand the challenges of the Philippines' environment. Taking the necessary precautions today can safeguard your property, protect its value, and most importantly, ensure the safety of everyone who resides or works within.