Exposed foam board insulation fire hazards:
This Q&A article discusses the requirement for a fire-resistant covering for foam and foam-board board building insulation. Since most fire codes call for a minimum of half-hour fire rating over foam insulations, paneling would probably not provide a sufficient fire barrier over the foam insulating board.
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The question-and-answer article below paraphrases, quotes-from, updates, and comments an original article from Solar Age Magazine and written by Steven Bliss.
Question:
I am reinsulating a house that has concrete block walls, a stucco exterior, and 3/4-inch foil-backed gypsum board over furring strips on the building interior.
If I glued foam insulating board directly over the existing plaster wall finish, would paneling be sufficient covering? Will the foil backing on the gypsum board create a cold-side vapor barrier? - Gordon Reed Jr., Kingsford MI.
In the photograph at left, foam insulating board is shown on a garage ceiling below a second floor bedroom - this material should have been covered with fire rated drywall to meet local building code specifications for fire safety.
Since most fire codes call for a minimum of half-hour fire rating over foam insulations, paneling would probably not provide a sufficient fire barrier over the foam insulating board. New 1/2-inch drywall is usually called for [and in some installations, fire-rated drywall or thicker drywall may be required for local codes and for certain applications].
The thin foil used on the back of drywall will create a moderate cold-side vapor retarder, but the exact permenance is not published for foil-backed gypsum board.
The safe tack is to use a highgraade air/vapor barrier on the inside, keeping it much less permeable than the cold side barrier. We suggest foil-faced foam insulating board with the joints sealed with foil tape.
Watch out: depending on whether or not the foil backing on the existing foil-backed gypsum board is perforated or not, the perm rating of that surface could be near zero - that is, very resistant to moisture movement, forming a moisture barrier in the "wrong place".
So it would also be a good idea to take measures to keep interior building moisture levels to a moderate level. See HUMIDITY LEVEL TARGET
Background on foam board insulation and fire protection:
Foam insulation board should not be left exposed in building interiors.
While many modern foam insulating products do not themselves readily support combustion (that is they don't catch fire and burn alone) they may give off thick acrid or toxic black smoke in a fire, making it difficult to safely exit the burning building.
Various foam insulation products that are sprayed in buildings, including UFFI, Icynene, Latex, and other insulating foams as well as fire resistant spray foam insulation used for sealing building penetrations, a different product from the foam board insulation discussed here, are described
at INSULATION IDENTIFICATION GUIDE
and
at FOAM SPRAY INSULATION TYPES.
The link to the original Q&A article in PDF form immediately below is preceded by an expanded/updated online version of this article.
Note: some building code officials may accept fire-retardant spray paint coatings on spray-foam and possibly solid foam board insulation in some locations.
Watch out: do not rely on fire-retardant paints without approval from your local building and fire officials.
Watch out: suitable fire-barriers are required over foam board insulation in occupied spaces. Currently (2022) there are NO paint-on coatings that give polystyrene insulation board a 15-minute fire rating.
We have read that DOW has been working on a fire-retardant or fire-rated version of EPS and XPS. - [cited below- Ed. ]
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