A thermal bridge — often called a cold bridge — is a place in the building envelope where heat escapes considerably faster than through the surrounding area. The insulation is interrupted, thinner, or the geometry works against you. The result is a cold spot on the internal surface.

Two kinds

Why it is more than heat loss

Heat loss costs money, but the real problem is moisture:

  1. The internal surface becomes colder than the rest of the wall.
  2. If its temperature drops below the dew point of the indoor air, water vapour condenses on it.
  3. On a persistently cold, damp surface, mould grows — often well before visible condensation appears.

That explains why mould keeps turning up in the same kinds of place: behind a wardrobe in the external corner of a bedroom, along the junction of floor and external wall, around a window reveal or at a roof edge.

How it is assessed

The thermal quality of a junction is expressed as the temperature factor f_Rsi:

f_Rsi = (T_surface − T_external) / (T_internal − T_external)

The higher the value, the warmer the surface stays. UK guidance on limiting the risk of surface condensation and mould growth commonly sets a minimum temperature factor of 0.75 for dwellings and 0.50 for most other building types. The additional heat loss of a linear thermal bridge is separately expressed as a psi value (ψ), in W/mK per metre run of junction.

Minimum temperature factor f_Rsi by building typeDwellingsDwellings: 0.750.75Most other building typesMost other building types: 0.50.5
Minimum temperature factor (f_Rsi) commonly set in UK guidance on limiting the risk of surface condensation and mould growth. The higher the value, the warmer the internal surface stays.

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