Skip to content
←Back to glossarySpecial risks

Conservation conditions and humidity

Temperature and humidity in a storage or display space. A prolonged drift damages works with no dated event, which is where cover gets argued.

Definition

The classic museum benchmark is 50% relative humidity and 20°C, within a few points; since 2014 the Bizot Group guidelines accept a stable band of 40 to 60% and 16 to 25°C for loans. Beyond that, wood swells, paint lifts, paper spots with mold. The loss is rarely an instant: an air handling unit fails over an August weekend, humidity climbs, and the damage is found ten days later. The insurance difficulty sits on the line between a sudden event, which is covered, and gradual deterioration, which fine art forms often exclude together with inherent vice and wear. What the insured can produce makes the difference: logger records of temperature, alarms, the maintenance log, condition reports before and after. Without continuous recording the adjuster can date neither the failure nor its effects. Basement storage and the containers of a freeport are particularly exposed.

Its 6 cross-references, woven across the glossary's 18 categories
Conservation conditions and humidity: Special risks glossary illustration, AlgoPolis
Example

Textbook case: in a 900 square meter storage room the air handling unit stops for nine days in August. Relative humidity goes from 50% to 78%. One hundred and forty prints, insured for €310,000 in total, show mold; restoration is priced at €62,000. The loggers prove the failure and the insurer treats it as a sudden event.

Read next
Related terms
Also known as

museum humidity damage, relative humidity artwork storage, climate control failure art, gradual damage to artworks

Stay informed

Follow the research

One letter a week. First, the week's underwriting note, when one is published: a dated, argued decision, signed by Paul Bernardski. Then what the observatory published on cyber risk, political risk and insurance. No account, no tracking.

No spam, one-click unsubscribe, no data ever sold.