During which construction stage does the largest loss of garden apartments typically occur?

The largest loss of garden apartments typically occurs during the open frame stage. This phase is characterized by the structural framework of the building being erected, which often leaves the building vulnerable to fire and other types of damage. During this stage, there is often a high volume of combustible materials on-site, such as framing lumber, sheathing, and other construction materials that can easily ignite.

Additionally, during the open frame stage, the building is not fully enclosed, which allows flames and heat to spread rapidly in the event of a fire. The in-progress nature of construction at this stage may also mean that fire protection systems, such as interior sprinklers, are not yet operational, further increasing the risk of significant loss.

In contrast, other construction stages, such as roofing, finishing, or foundation work, typically involve different risks and may have protections in place that mitigate fire hazards, making them less susceptible to extensive losses compared to the open frame stage. Thus, the open frame stage is critical from a fire safety perspective and is where the most significant losses are noted.