The article presents a comparative analysis carried out using three methods, determining the heat transfer coefficient U for a ceramic product modified with a phase change material (PCM). The purpose of the article is to determine the convergence of the resulting thermal characteristics, obtained using the experimental method, numerical simulation, and standard calculation method according to the requirements of PN-EN ISO 6946. The heat transfer coefficient is one of the basic parameters characterizing the thermal insulation of a building partition. Most often, for the thermal characteristics of the partition, we obtain from the manufacturer the value of the thermal conductivity coefficient λ for individual homogeneous materials or the heat transfer coefficient U for the finished (prefabricated) partition. In the case of a designed composite element modified with a phase change material or other material, it is not possible to obtain direct information on the above parameter. In such a case, one of the methods presented in this article should be used to determine the U factor. The U factor in all analyses was determined in stationary conditions. Research has shown a significant convergence of the resulting value of the heat transfer coefficient obtained by the assumed methods. Thanks to obtaining similar values, it is possible to continue tests of thermal characteristics of partitions by means of numerical simulation, limiting the number of experimental tests (due to the longer test time required) in assumed different partition configurations, in stationary and dynamic conditions.