Self build zone – site insurance and structural warranties
Avoiding costly self–build, extension, renovati on and home improvement project insurance pitfalls Insurance for self-builds, renovations, conversions and extensions...
Remember, therenovation, extension or conversion project you are embarking on is unique, so deal with an Insurance for self-expert that understands builds, renovations, conv that. ersions and extensions...
New Build Site Insurance Legal ExpensesStructural Warranty
Conversion Extension Renovation Site Insurance Existing Structure Legal ExpensesPossibly a Structural Warranty
Site Insurance Site Insurance should be purchased when you exchange contracts on the plot or building you wish to renovate.
Site Insurance New Works Public Liability Employers Liability Plant & Equipment Caravan & ContentsPersonal Possessions Personal Accident & Broken Bones Legal Expenses Has work started?
Party Wall Act Party Wall Liability You are contractually responsible for damageto the Party Wall so make sure it’s covered.
Structural Warranty Arrange this PRIOR to submitting a Building Regulation Application to SAVE money.Get the warranty provider to quote for Building Control!! – it removes duplicatedinspections and can save you money! We can cover properties that have been completed and require a warranty retrospectively to sell on.
Contracts Just how trusting are you going to be? A building contract for a Self-builder is just £19.50 www.selfbuildzone.com
Some general tips... Security ID Visitors/Delivery Drivers Out of Sight out of Mind
Some general tips... Health & SafetySelf builders will have dutiesunder workplace health and safetylaw if:a) they intend to sell the property on completion, in which case they would be considered to be a developerb) the self builder directly employs (even if only temporarily), workers to build the propertyc) they choose to manage the project taking on contractors to do the work
Some general tips... Health & Safety Self-Build Category 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
Some general tips... Health & SafetyPractical Guidance... The self builder who takes on the project management roleHSE Website at:- would have duties to ensure:www.hse.gov.uk/construction •Health and safety risks are properly controlled throughout the project •Activities are coordinated to ensure the work is done safely •Contractors they appoint are competent to do the work safely, and •Those working on site co- operate with each other.
Some general tips... Health & Safety There are a number of well known duties under CDM which are NOT required of self builders •There is no requirement to notify HSE of the project •A CDM Coordinator need not be appointed •A health and safety plan does not have to be prepared •A health and safety file does not have to be prepared for the completed structure/building
FAQ My contractor has Insurance already, do I need Site Insurance?