Green roofs are definitely intriguing from a fire safety standpoint. I've looked into them quite a bit—turns out the soil and vegetation layers actually slow down heat transfer and can help prevent sparks from igniting the roof membrane underneath. But insurance-wise, it's a mixed bag. Some insurers love the sustainability angle, others get nervous about moisture retention and potential leaks. Best bet is to have detailed specs and maintenance records handy to reassure them...you know how they are.
Green roofs do have their perks, especially with the added insulation and fire resistance. But honestly, from what I've seen on site, the moisture concerns insurers have aren't totally unfounded. I've dealt with a couple of green roofs where poor drainage or neglected maintenance led to pooling water and some sneaky leaks underneath. So yeah, detailed specs and regular upkeep records are definitely your friends here...or else insurers will be all over you for sure.
Had a similar issue with a green roof at my old office building. Looked great at first, but after a couple years, drainage got clogged and leaks started popping up. Maintenance is key, otherwise you're just asking for trouble down the line...
"Maintenance is key, otherwise you're just asking for trouble down the line..."
Yep, learned that the hard way myself. Had TPO installed thinking it'd be hassle-free, but still had to keep an eye on seams and flashing. No roof's totally set-and-forget, unfortunately...