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© 2011, XL Group plc I MAKE YOUR WORLD GO INNOVATIONS IN CONSTRUCTION A look at new building technologies for life and business Christian W. Müller Senior Underwriter International Property Construction Ferma, Stockholm 5th October 2011 1

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© 2011, XL Group plc I MAKE YOUR WORLD GO

INNOVATIONS IN CONSTRUCTION

A look at new building technologies

for life and business

Christian W. Müller Senior Underwriter International Property Construction Ferma, Stockholm 5th October 2011

1

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO © 2011, XL Group plc I MAKE YOUR WORLD GO

Cities of the future

2

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO

• Powered by solar and wind

• Clean-fuel car

• Public transport system running on hydrogen fuel

• Rooftops covered in vegetation

• Building insulation using natural healthy material

• Zero waste management

Cities of the future

3

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO

• Sustainable eco-city

• Carbon-neutrality goal

• Energy-efficient building

design

• Renewable energy

• Waste management

• Transportation systems

Cities of the future

4

Waste management

12%

Transportation

systems

8 %

Renewable energy

24%

Energy-efficient

building design

56%

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO © 2011, XL Group plc I MAKE YOUR WORLD GO

Innovations in construction

Achieve 56% carbon neutrality using energy-efficient

building design:

• Insulation for floor, walls and windows, roof

• Additional costs 3-10%

5

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO © 2011, XL Group plc I MAKE YOUR WORLD GO 6

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO © 2011, XL Group plc I MAKE YOUR WORLD GO

Achieve 24% carbon neutrality using renewable energy:

• Hydropower

• Geothermal

• Onshore and offshore wind power

• Biomass, waste to energy

• Solar power, photovoltaic, concentrated, evacuated tube collectors

7

Innovations in construction

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO © 2011, XL Group plc I MAKE YOUR WORLD GO

• New superstrate material makes it possible to produce flexible, lightweight thin-film solar modules

• Polyimide film used as superstrate for cadmium telluride (CdTe) photovoltaic (PV) modules

• Swiss Federal Laboratories for Materials Testing and Research (EMPA) have demonstrated a new world record for energy conversion efficiency of 13.8%; close to that of conventional glass PV modules

• Film is over 100 times thinner and 200 times lighter than glass typically used for PV

8

Solar cell

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO © 2011, XL Group plc I MAKE YOUR WORLD GO

Solar modules

• High-speed and low-cost roll-to-roll production

• Flexible design makes it possible to produce

modules that are easier to ship/handle and less

expensive to install

• Innovative durable film sets new efficiency records

and has the potential to revolutionize energy

generation by broadening the fields of application

and lowering system costs

9

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO © 2011, XL Group plc I MAKE YOUR WORLD GO

• Energy of the wind increases with the distance from the ground

• At an altitude of 50 m, wind has 2.5 times the energy as at an altitude of 10 m

• Wind speed: A minimum average annual flow of 20 km/h is necessary

Wind energy

10

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO © 2011, XL Group plc I MAKE YOUR WORLD GO

Vertical wind turbine blades

• Prototype with the generator on the ground and not

100 m in the air in a gondola

• Blades designed as aircraft wings which turn to

achieve optimum aerodynamic resistance

• Positive low noise level

• No negative impact for birds

11

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO © 2011, XL Group plc I MAKE YOUR WORLD GO

• Achieve 12% of CO2 neutrality by means of zero waste management

• Composting bio-waste that will be used to enrich plantations

• Recycling of materials such as glass, plastics, paper and cardboard

• Non-recyclable waste is turned into energy: Gasification process produces Syngas. This is used as fuel to drive combustion systems that generate energy

12

Cities of the future

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO © 2011, XL Group plc I MAKE YOUR WORLD GO

• Reach 8% of carbon neutrality using transportation systems that employ electrical and solar energy

• Personal rapid transit system; driverless taxi powered by battery that recharges in the stations

13

Cities of the future

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO © 2011, XL Group plc I MAKE YOUR WORLD GO

Natural disasters

• Natural disaster effect of natural hazards

• Avalanche, volcanic eruption, earthquake,

landslide, tsunami, flood, windstorm,…

• Result in human, property, environmental

and/or financial losses

• Withstand natural disasters?

14

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO © 2011, XL Group plc I MAKE YOUR WORLD GO

Earthquake

• An earthquake is a sudden release of energy in the Earth’s crust

• Measured on the Richter Scale which is based on a logarithmic scale

• An earthquake with a magnitude of 9 on the Richter Scale equals a 31.6-fold increase in the amount of energy released compared with a magnitude 8 earthquake

• An increase of 2 steps corresponds to a 1,000-fold increase in energy

15

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO

• Location

• Design must be based on

natural hazard

• Additional costs 0-1%

Vulnerability

16

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO © 2011, XL Group plc I MAKE YOUR WORLD GO

Engineering design

• Symmetric design of layout

• Structuring of elevation

• Plastic deformation with ductile reinforcement bars

and steel beams

• Weaknesses:

• Horizontal weak ground floor

• Masonry construction without reinforced

concrete walls

17

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO © 2011, XL Group plc I MAKE YOUR WORLD GO

Seismic retrofitting of structures

• The goal of seismic retrofitting is the improvement of

seismic behaviour of structures

• Goal of continued operations without restriction

• Assessment of property; prioritisation, improving

regularity

• Strengthening the structure with carbon fiber reinforced

polymer (CFRP)

18

© 2011, XL Group plc I MAKE YOUR WORLD GO

Thank you for your attention

Christian W. Müller

xlgroup.com

Yellow

R= 255

G= 255

B= 0

Chart, Graphs, Table

Colors:

Orange

R= 244

G= 121

B= 32

Magenta

R= 236

G= 0

B= 14-

Red

R= 237

G= 28

B= 36

Lt Green

R= 141

G= 198

B= 63

Green

R= 57

G= 181

B= 74

Cyan

R= 0

G= 174

B= 239

Dk Blue

R= 45

G= 49

B= 146

Yellow 2

R= 213

G= 206

B= 146

Orange 2

R= 203

G= 125

B= 101

Mag 2

R= 182

G= 114

B= 146

Red 2

R= 239

G= 63

B= 107

LG2

R= 156

G= 162

B=63

Green 2

R= 0

G= 137

B= 143

Cyan 2

R= 0

G= 182

B= 190

DB2

R= 0

G= 65

B= 89

© 2011, XL Group plc I MAKE YOUR WORLD GO © 2011, XL Group plc I MAKE YOUR WORLD GO

About XL's Insurance Segment

The Insurance segment of XL Group plc offers property, casualty,

professional and specialty insurance products globally.

Businesses that are moving the world forward choose XL as their partner.

To learn more, visit www.xlgroup.com/insurance