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Understand EIFS

Understanding U-values

Three numbers describe thermal performance and they are constantly confused with each other. One belongs to a material, one to a layer and only the third belongs to the wall. Regulations ask for the third.

Three panels showing the same wall at three scales: a single material sample labelled with thermal conductivity, one insulation layer labelled with thermal resistance, and the complete wall labelled with thermal transmittance
The same material, three different questions. Conductivity describes the substance itself. Resistance describes one layer of it, at a stated thickness. Transmittance describes the finished wall from the still air on one face to the still air on the other, which is why only the third of these can be a U-value.

A U-value is the rate at which heat passes through one square metre of a complete building element, for each degree of temperature difference between the air on either side of it. Lower is better. It is measured in W/(m²·K), watts per square metre per kelvin. A wall at 0.30 loses heat at half the rate of the same wall at 0.60. Because it describes the finished element rather than any one product in it, no single material has a U-value, and that is where most of the confusion on this subject starts.

Three numbers, three scales

Conductivity, resistance, transmittance.

These are not three ways of saying the same thing. Each describes something physically different, and each is the input to the next. Getting them straight makes every specification conversation shorter.

λ W/(m·K)

Thermal conductivity

How readily heat passes through a material, independent of how much of it there is. Also written as the k-value.

A property of the substance itself. Phenolic foam conducts less than expanded polystyrene, which conducts less than concrete.

Lower is better.

Belongs to a material
R m²·K/W

Thermal resistance

How much a particular layer resists heat flow. It depends on the material and on how thick that layer is.

This is where thickness enters the calculation. Double the thickness of a layer and you double its resistance.

Higher is better.

Belongs to a layer
U W/(m²·K)

Thermal transmittance

The heat flow through the finished element, adding up every layer in it plus the still air films on each face.

This is the figure building regulations specify and the one a compliance calculation asks for.

Lower is better.

Belongs to the whole wall

The method

Two steps, and the second one is a sum.

Work out the resistance of each layer, add them all up along with the surface resistances, then invert the total. That is the whole procedure.

Step 1  ·  the resistance of one layer
R = d ÷ λ

Divide the thickness of the layer by the conductivity of its material.

d
thickness of that layer, in metres
λ
thermal conductivity of the material, in W/(m·K)
R
thermal resistance of that layer, in m²·K/W
Step 2  ·  the transmittance of the element
ΣR = Rsi + R1 + R2 + R3 … + Rse
U = 1 ÷ ΣR

Add the resistance of every layer, plus the resistance of the still air against each face, then take the reciprocal of the total.

Rsi
internal surface resistance, the still air film on the inside face
Rse
external surface resistance, the still air film on the outside face
ΣR
the total resistance of the element, surfaces included

Total the resistances first, then invert once at the end. Inverting each layer and adding the results is a different operation and it gives the wrong answer. It is the most common mistake in a hand calculation.

What the sum actually looks like

Every layer contributes, and so do the two air films. This is a typical externally insulated wall, in the order heat meets it travelling outward.

Layer, inside to outsideContributes
Still air against the internal surfaceRsi
Internal plasterR1
The existing or structural wallR2
Adhesive and insulation boardR3
Reinforced basecoat, mesh, primer and finishR4
Still air against the external surfaceRse
Total thermal resistanceΣR
Thermal transmittance of the wallU = 1 ÷ ΣR

The insulation is one line in that table. It is usually the largest single contribution by a wide margin, which is why it dominates the result, but it is never the whole of it. Two things follow from that.

No insulation board has a U-value

A board has a conductivity, and a board of a stated thickness has a resistance. It cannot have a transmittance, because transmittance describes an element with air on both sides of it. If you are given a U-value for a board on its own, what you have been given is 1 divided by that board's resistance, which is a different quantity wearing the same name.

The same board gives different U-values on different walls

Put identical insulation on a solid concrete wall and on an insulated cavity wall and the two finished walls will not have the same U-value, because the rest of the sum is different. This is why a U-value can only be quoted against a stated build-up, and why the number has to be calculated per project rather than looked up.

Material and thickness

Lower conductivity buys you the same resistance in a thinner board.

Because R = d ÷ λ, two boards of different materials reach the same resistance at different thicknesses. That trade is the whole reason Terraco offers more than one insulation technology, and on a retrofit it is often the deciding factor.

Insulation Conductivity λ
W/(m·K)
R at 50 mm R at 100 mm R at 150 mm R at 200 mm
EPS
Terraco EIFS Alpha
0.033 – 0.0351.523.034.556.06
Graphite EPS
Terraco EIFS Alpha
0.030 – 0.0311.673.335.006.67
Mineral wool
Terraco EIFS Perma
0.036 – 0.0401.252.503.755.00
Phenolic foam
Terraco EIFS Nova
0.020 – 0.0222.274.556.829.09

Resistances as published by Terraco for each system. Conductivity varies with board density and specification, so read each material against its range above rather than against a single figure, and confirm the declared value for the board actually specified before using any of these numbers in a calculation.

Read the two highlighted cells across: phenolic foam at 100 mm and EPS at 150 mm both give a resistance of 4.55. The same thermal resistance in two thirds of the depth. On a new build that is a detail. On a retrofit, where every extra millimetre has to be found at window reveals, door thresholds, parapets and roof junctions, it is frequently the reason a project is buildable at all. Note that phenolic is currently certified for supply by Terraco Korea only, so check availability in your market before the depth saving goes into a design.

Two insulation boards side by side in section, a 100 millimetre phenolic board and a 150 millimetre expanded polystyrene board, both labelled with a thermal resistance of 4.55
Same resistance, two thirds of the depth. Both boards reach 4.55 m²·K/W. The phenolic board does it in 100 mm where the expanded polystyrene needs 150 mm, and that 50 mm is what a constrained reveal, an existing sill or a fixed roof overhang has to absorb.

Swipe the diagram sideways to read it in full.

What the extra 50 mm actually costs

Depth is not an abstraction once it reaches a drawing. Everything below is a detail that has to absorb the difference, and on a retrofit each one is existing fabric rather than a line you can move.

Window reveals

The reveal deepens by the full thickness added. Past a certain point the frame sits too far back, daylight is lost and the insulation has to be returned into the reveal.

Window boards and sills

An existing sill projects a fixed distance. Add more than that and it no longer throws water clear of the new facade line.

Eaves and roof overhang

An overhang that covered the old wall may not cover the new one. Extending it is roofing work, not facade work, with its own cost and trade.

Copings and drip details

Parapets, copings and every drip move outward with the facade and have to be remade to suit.

Thresholds and clearances

Balconies, walkways and doorways lose clearance. Where a route has a minimum width, the thickness is capped by that rather than by thermal performance.

Scaffold and labour

The scaffold stands further out, and reveal returns and remade details are labour that does not appear in a price per square metre.

A thinner board is not automatically the better choice. The point is that two systems reaching the same resistance are not interchangeable on a given building, and that the decision is usually made on the depth available rather than on thermal performance.

Choosing between them

Which system, decided by what constrains the project.

All three reach demanding targets. The choice is rarely about which is thermally best, it is about which constraint is binding on your building. Find yours below.

If depth is the constraint

Terraco EIFS Nova

Phenolic foam, 0.020 – 0.022 W/(m·K)

The lowest conductivity in the range, so the thinnest board for a given resistance. Chosen on retrofits where reveals, overhangs and existing details cannot absorb more depth.

Certified for supply by Terraco Korea only. If your project is elsewhere, ask what is certified in your market before designing around this depth. Where each system is certified.

Terraco EIFS Nova ›
If fire or breathability is the constraint

Terraco EIFS Perma

Mineral wool, 0.036 – 0.040 W/(m·K)

Non-combustible insulation, specified where a higher fire rating is required. Also the breathable option, which matters on older and moisture-prone buildings where the build-up needs high vapour permeability.

Expect a thicker board than the other two for the same resistance.

Terraco EIFS Perma ›
If cost and general application matter most

Terraco EIFS Alpha

EPS and graphite EPS, 0.030 – 0.035 W/(m·K)

The most widely specified system, on new build and renovation alike. Where depth is moderately constrained, the graphite-enhanced board reaches the same resistance in a thinner section than white EPS.

The default starting point unless fire, breathability or depth rules it out.

Terraco EIFS Alpha ›
ZEB Grade 3

Does the range actually reach demanding targets? Godeok On Bit Chae in Seoul is South Korea's first ZEB Grade 3 certified apartment complex, reaching an energy self-sufficiency rate of over 60 per cent across 697 units and 35,000 m² of facade. Terraco EIFS Nova was one of the key passive technologies specified. Read the project.

The number you have to hit

The target is set by your building regulations, not by the system.

Required U-values differ by country, and within a country they often differ by building type and by climate zone. They also tighten over time. So there is no single figure that is correct to aim at, and any target quoted without your building type, your climate zone and the code in force is a guess.

Work backwards

Start from the U-value your regulations require, subtract what the existing wall already provides, and the remainder is what the insulation has to deliver.

Then choose the material

Once you know the resistance required, conductivity decides the thickness. If depth is constrained, that is where the choice of system is made.

Calculate on the real wall

The final figure has to come from the actual construction, layer by layer, against the code that applies. That is what a submission is checked against.

Send us the build-up and the local Terraco technical team will calculate the U-value for your wall, and the insulation type and thickness that reaches your target.

Beyond the arithmetic

Four things that change the built result.

A U-value calculation describes an idealised wall. Several things determine whether the finished building performs like the calculation, and all four are decided on site rather than on paper.

Thermal bridging

Slabs, columns, beams and lintels pass through the envelope and conduct around the insulation. A wall can meet its U-value and still lose heat at the junctions. See what a slab junction does.

Fixings and continuity

Mechanical fasteners penetrate the insulation layer, and boards that are not tightly butted and correctly staggered leave gaps. Both reduce the effective resistance of a layer that calculates perfectly on paper.

Moisture

Wet insulation conducts more heat than dry insulation. Keeping the build-up able to shed moisture is part of achieving the calculated performance, not a separate concern from it.

Board specification

Conductivity varies with density and grade, which is why each material above has a range rather than a single value. Substituting a similar-looking board can change the sum.

Common questions

What specifiers ask about U-values.

Is a lower or a higher U-value better?
Lower. A U-value measures the rate of heat loss, so a smaller number means less heat passing through. It is the opposite way round from R-values, where higher is better, which is a large part of why the two get confused.
What is the difference between a U-value and an R-value?
They measure opposite things at different scales. R-value is the resistance of a single layer and higher is better. U-value is the transmittance of a complete element including the air films on both faces, and lower is better. You calculate the R-values first, add them up and invert the total to get the U-value.
What is the U-value of a 100 mm insulation board?
It does not have one. A 100 mm board has a thermal resistance, and the table above gives that figure for each Terraco insulation material. Its contribution to a U-value depends on everything else in the wall. If a supplier quotes a U-value for a board on its own, they have divided one by the board's resistance and relabelled it, which will not match what a compliance calculation produces.
How do I work out the insulation thickness I need?
Take the U-value your regulations require and invert it to get the total resistance the wall must reach. Subtract the resistance the existing construction already provides, including the surface resistances. What remains is the resistance the insulation has to supply, and dividing that by the material's conductivity gives the thickness. The arithmetic is straightforward; obtaining a reliable figure for the existing wall is the part worth getting help with.
Do the render, basecoat and finish affect the U-value?
They are layers in the sum, so formally yes, but their combined contribution is small next to the insulation. They matter far more for weather resistance, vapour permeability and appearance than for thermal performance.
Why do two suppliers quote different U-values for what looks like the same system?
Usually because they have assumed different walls behind the insulation, or quoted at different ends of a conductivity range or one has quoted the board rather than the element. A U-value is only comparable when the build-up it was calculated on is stated alongside it. Ask for the build-up before comparing the numbers.
Does external insulation give a better U-value than internal insulation?
For the same material and thickness the calculated U-value of the wall is similar either way. The differences lie elsewhere: external insulation is continuous across the structure so it covers the thermal bridges that internal insulation leaves open, it keeps the structure on the warm side and it does not consume internal floor area. Those are the reasons to choose it, rather than the headline figure.

The calculation on your building

Send us the wall. We will send back the number.

The arithmetic is straightforward. What is not straightforward is establishing a reliable resistance for an existing wall, and confirming what is certified and available in your market. That is the part worth handing over.

What we need from you
  • The wall construction layer by layer, existing or proposed.
  • The location, so the applicable regulations and climate data apply.
  • The U-value you have to reach, or the code you are working to.
  • Any limit on how much depth the facade can gain.
What you get back
  • A U-value calculated on the complete element, surfaces included.
  • The insulation type and thickness that reaches your target.
  • The build-up written out layer by layer, ready to go into a submission.
  • Confirmation of which system is certified and available in that market.