PurposeThis study delineates the effect of cover thickness on reinforced concrete (RC) columns and beams under an elevated fire scenario. Columns and beams are important load-carrying structural members of buildings. Under all circumstances, the columns and beams were set to be free from damage to avoid structural failure. Under the high-temperature scenario, the RC element may fail because of the material deterioration that occurs owing to the thermal effect. This study attempts to determine the optimum cover thickness for beams and columns under extreme loads and fire conditions.Design/methodology/approachCover thicknesses of 30, 40, 45, 50, 60 and 70 mm for the columns and 10, 20, 25, 30, 35, 40, 50, 60 and 70 mm for the beams were adopted in this study. Both steady-state and transient-state conditions under thermomechanical analysis were performed using the finite element method to determine the heat transfer through the RC section and to determine the effect of thermal stresses.FindingsThe results show that the RC elements have a greater influence on the additional cover thickness at extreme temperatures and higher load ratios than at the service stages. The safe limits of the structural members were obtained under the combined effects of elevated temperatures and structural loads. The results also indicate that the compression members have a better thermal performance than the flexural members.Research limitations/implicationsNumerical investigations concerning the high-temperature behavior of structural elements are useful. The lack of an experimental setup encourages researchers to perform numerical investigations. In this study, the finite element models were validated with existing finite element models and experimental results.Practical implicationsThe obtained safe limit for the structural members could help to understand their resistance to fire in a real-time scenario. From the safe limit, a suitable design can be preferred while designing the structural members. This could probably save the structure from collapse.Originality/valueThere is a lack of both numerical and experimental research works. In numerical modeling, the research works found in the literature had difficulties in developing a numerical model that satisfactorily represents the structural members under fire, not being able to adequately understand their behavior at high temperatures. None of them considered the influence of the cover thickness under extreme fire and loading conditions. In this paper, this influence was evaluated and discussed.