OK I’m just going to give you a few tips here on stuff that causes problems for people all the time.Party Wall Liability! This has nothing to do with a good house party, Its all to do with a useful but sometimes onerous piece of legislation called the Party Wall Act.Now Party Wall doesn't just mean the wall between two adjoining or semi detached properties. If you are likely to be within 3 meters of a party wall or at 6m distance may still undermine you neighbours foundations or be placing beams in the party wall, then Party Wall Act will apply.Nice bit of underpinning of the neighbour here – shame about this bit though Fingers crossed it all stays put eh?Be aware that some Site Insurance policies exclude this completely making you purchase an additional insurance policy called JCT 21.2.1. instead. Self-Build Zone include your contractual liability under the Party Wall Act if you inform them. Which can save you hundereds in additional premiums!Lots of information is available at the communities and local government website in a clear to read downloadable booklet and we have a leaflet which gives you the basics if you want to drop by our stand 218.
We have all heard it before – “Yes of course Mr Smith, It’s not a problem – but we haven’t quoted to include the internal doors so they will be extra .” or maybe “Oh No the price was for labour only on that bit – it didn’t include the materials”. Its infuriating when it happens – but if you weren’t specific at the outset you really only have yourself to blame.A contract is the glue that seals the relationship between a client and his contractor, consultant or supplier and it is essential to ensure that the terms of any deal are clearly written down and protect the home-owner’s interests.The interesting thing here is that legal expenses insurance is directly linked to contracts because they (in the most part) cover contractual disputes so if you can’t evidence a contract in writing the legal team aren’t going to be able to help you.Unfortunately from what we see MOST people just don’t consider using contracts and its soul destroying when they call up the legal helpline and explain that their builder has made a real hash of the build and is flatly refusing to put things write because you want to help them but as there is no evidence of a contract – you can’t legally argue for a contractual dispute.Its because of this that we have developed a suite of contracts for all elements of your project with contract specialist ContractStore. It just means that in the event something does go wrong we are going to be more able to provide legal advice and pursue a claim with a better prospect of success.But this all sounds like really expensive stuff right? So how much are we looking at? £49 + Vat. Now there are lots of place out there to get contracts – the important point is, make sure you do!For more information we have a leaflet on this too!
Site Insurance & Warranties Plus the use of standard contracts on self-build,•Self Build renovation and extension•Extension projects.•Renovation•Conversion•Improvement
Whether it’s a barn or a house renovation it’sdefinitely not a home yet - so don’t rely on home insurance! Renovation Insurance
Home Insurance EXCLUDES this!Extension Insurance
New Build Site Insurance Legal ExpensesStructural Warranty
Conversion Extension Renovation Flat Conversion Site Insurance Existing Structure Legal ExpensesPossibly a Structural Warranty
Site Insurance Site Insurance covers Extensions, Renovations, Conversions and New Build projects and should be purchased when you exchange contracts on the plot or building you wish to extend.
Site Insurance New Works Public Liability Employers Liability Plant & Equipment Caravan & ContentsPersonal Possessions Personal Accident & Broken Bones Legal Expenses Has work started?
Structural Warranty Arrange this PRIOR to submitting a Building Regulation Application to SAVE money. We can cover properties that have been completed and require a warranty retrospectively to sell on.
Some general tips... Party Wall Liability You are contractually responsible for damage to the Party Wall so make sure it’s covered.
Contracts Just how trusting are you going to be?
Some general tips... Security ID Visitors/Delivery Drivers Out of Sight out of Mind
Some general tips... Health & SafetyYou will have duties underworkplace health and safety law if:a) you intend to sell the property on completion, in which case they would be considered to be a developerb) you directly employs (even if only temporarily), workers to build the propertyc) you choose to manage the project taking on contractors to do the work
Some general tips... Health & Safety Your Involvement Application of Health & Safety at Work LegislationLevel 1 Entirely DIY – not selling on completionLevel 2Self-managed with own labour & Subcontractors Level 3Self-managed with own subcontractors Level 4Kit Home with self-managed trades at the point the kit supplier hands over.Level 5Watertight Shell with self-managed finishes at the point the contractor hands over.Level 6 Turnkey project with active clientLevel 7 Custom Homebuilding
FAQ My contractor has Insurance already, do I need Site Insurance?
FAQ Do I have to have Site Insurance or a Structural Warranty?
Thanks for listening, are there any questions? We are on stand D65