E&J Estates Leaseholder Insurance Disclosures
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No. Insurers do not use EWS1 ratings as a primary factor in setting premiums. They assess the Estimated Maximum Loss, which is based on construction materials, presence of combustible cladding or insulation, timber balconies, and similar factors. EWS1 is focused on life safety and evacuation, which is a different assessment from fire spread and structural damage risk. It is therefore possible to have a strong EWS1 rating but a high premium where combustible materials remain present.