Site Insurance & Warranties - Standard contracts on self-build, renovation an...Simply Marcomms
This document summarizes various types of insurance policies needed for self-build, renovation, extension, and conversion construction projects. It notes that home insurance does not cover these types of projects. Site insurance should be purchased when contracts are exchanged to cover the construction site. A structural warranty may also be needed and should be arranged before submitting building regulation applications. The document provides tips on other types of insurance policies and legal requirements to consider for different levels of involvement in managing construction projects.
This document discusses insurance considerations for home extension, renovation, and conversion projects. It advises that home insurance will not cover these types of projects, and that specialized policies like extension insurance, renovation insurance, site insurance, or structural warranties are needed instead. It provides examples of coverage provided by different policy types and warns readers to consult an expert to get insurance tailored to their unique project.
An Introduction to Site Insurance & Warranties PLUS Information about Contrac...Self Build Zone
This document provides information about different types of insurance and warranties for construction projects including renovations, extensions, conversions, and new builds. It discusses site insurance, which should be purchased when exchanging contracts on the plot or building and covers extensions, renovations, conversions and new builds. Structural warranties are also recommended to arrange prior to submitting building regulation applications. The document provides some general tips, including ensuring party wall liability is covered, being cautious of contracts, maintaining site security, and complying with health and safety regulations depending on the level of involvement in the project. Frequently asked questions are also addressed.
Self-Build Zone host site insurance masterclass at national home improvement ...Simply Marcomms
Self-Build Zone Director Simon Middleton, hosted a Masterclass at the National Home Improvement Show. Representatives from Self-Build Zone discussed all issues on site insurance and warranties.
Self build zone – site insurance and structural warrantiesSimply Marcomms
Self Build Zone – Site insurance and structural warranties. Avoiding costly self–build, extension, renovation and home improvement project insurance pitfalls
Site Insurance & Warranties - Standard contracts on self-build, renovation an...Simply Marcomms
This document summarizes various types of insurance policies needed for self-build, renovation, extension, and conversion construction projects. It notes that home insurance does not cover these types of projects. Site insurance should be purchased when contracts are exchanged to cover the construction site. A structural warranty may also be needed and should be arranged before submitting building regulation applications. The document provides tips on other types of insurance policies and legal requirements to consider for different levels of involvement in managing construction projects.
This document discusses insurance considerations for home extension, renovation, and conversion projects. It advises that home insurance will not cover these types of projects, and that specialized policies like extension insurance, renovation insurance, site insurance, or structural warranties are needed instead. It provides examples of coverage provided by different policy types and warns readers to consult an expert to get insurance tailored to their unique project.
An Introduction to Site Insurance & Warranties PLUS Information about Contrac...Self Build Zone
This document provides information about different types of insurance and warranties for construction projects including renovations, extensions, conversions, and new builds. It discusses site insurance, which should be purchased when exchanging contracts on the plot or building and covers extensions, renovations, conversions and new builds. Structural warranties are also recommended to arrange prior to submitting building regulation applications. The document provides some general tips, including ensuring party wall liability is covered, being cautious of contracts, maintaining site security, and complying with health and safety regulations depending on the level of involvement in the project. Frequently asked questions are also addressed.
Self-Build Zone host site insurance masterclass at national home improvement ...Simply Marcomms
Self-Build Zone Director Simon Middleton, hosted a Masterclass at the National Home Improvement Show. Representatives from Self-Build Zone discussed all issues on site insurance and warranties.
Self build zone – site insurance and structural warrantiesSimply Marcomms
Self Build Zone – Site insurance and structural warranties. Avoiding costly self–build, extension, renovation and home improvement project insurance pitfalls
The document discusses conspiracy theories that claim the United States faked the moon landings and did not actually send astronauts to the moon. It presents evidence cited by conspiracy theorists, such as photos appearing to show the American flag waving in the moon's atmosphere, which does not exist, and a lack of impact craters under the lunar modules. However, the document also provides explanations from NASA for these observations, such as the flag being stored in a tube to cause ripples and the lunar surface being solid rock so craters would not necessarily form from the modules landing. The document examines videos and evidence from both supporters and critics of the moon landing missions.
This document outlines a virtual field trip created by a 2nd grade class that focuses on learning about different states in the United States. It includes pages from several students where they provide the state abbreviation, capital, animal, and a fun fact for their assigned state. It also lists some suggested extension activities for learning more about states through social studies, apps, math, writing, spelling, art, and songs. Links are included for additional facts and resources on the 50 U.S. states.
Wooden frame houses in Germany use wooden frames, bricks for walls, and ceramic roof tiles. Gel houses in Mongolia are portable nomadic dwellings used by herders, with a wool-filled cloth covering over a wooden pole framework. Houses in southern Morocco are made of sun-dried clay bricks mixed with water and molded, then assembled and plastered with clay. Native American tepees were portable cone-shaped tents carried on horses, covered with buffalo hides or canvas, and used for hunting or festivals. Batak houses in Indonesia are stilt houses with ornamental carvings meant to ward off evil, using natural red, white, and black pigments representing the cosmic spheres.
The document discusses how mKU can help users build their professional network and position themselves. mKU allows users to create a profile highlighting their credentials, connections, recommendations, and endorsements. It functions like a digital business card that users can share on resumes and cards. Profiles provide quick introductions and allow easy professional chatting. mKU helps users find clients, candidates, advice and build their reputation through an active online presence.
Trigonometry deals with relationships between the sides and angles of triangles, especially right triangles. It has many applications in fields like astronomy, architecture, engineering, and more. The document provides examples of using trigonometric functions like sine, cosine, and tangent to solve problems involving right triangles, including finding unknown side lengths and angles. It also discusses various trigonometric identities and applications of trigonometry in areas like digital imaging, waves, and architecture.
Arthur Andersen was one of the "Big Five" accounting firms until its collapse in 2002 following accounting scandals. Pressure to generate revenue led Andersen to indulge in accounting irregularities and pursue high-risk clients without proper oversight. Its cozy relationship with Enron, including sending inexperienced auditors and destroying documents during investigations, ultimately led to its ban from auditing public companies and bankruptcy. Deficiencies in Andersen's culture, conflicts of interest from non-audit services, lack of independence, and long client tenures all contributed to its audit failures and downfall.
A Virtual student made Power Point showcasing 21st century skills along with learning the 50 states. Students created their own slides and gave presentation on their states.
Kerajaan Majapahit adalah kerajaan Hindu-Buddha terakhir yang berdiri dari tahun 1293 hingga 1500 di Jawa Timur dan menguasai sebagian besar Indonesia. Majapahit memiliki struktur pemerintahan teratur dengan raja sebagai kepala negara dan dibantu menteri dan dewan pertimbangan. Kekuasaan Majapahit mulai melemah pada abad ke-15 akibat perang saudara dan pemberontakan.
Insurance, warranty, contracts and essential health & safety advice from Self...Self Build Zone
This document discusses various types of insurance and warranties that are important to have for self-build, extension, renovation, conversion, and improvement home projects. It highlights that standard home insurance will not cover these types of projects. It recommends obtaining home improvement insurance, which provides coverage for extensions, renovations, loft conversions, and re-modeling. The document also discusses the importance of site insurance, structural warranties, and following health and safety best practices for various levels of involvement in a home building project.
Self Build Site Insurance Masterclass - Advice on insurance for self builders...Simply Marcomms
Self-Build Zone Director, Simon Middleton spoke at the recent Homebuilding & Renovating Show’s Masterclass Programme on FRIDAY 5th NOVEMBER at 11.30am where he delivered specialist advice on site insurance and warranties and give an introduction to insurance for self-builders and renovators.
Self-Build Zone host self build site insurance masterclass at the National Ho...Simply Marcomms
Self-Build Zone announces that Simon Middleton, Director at Self-Build Zone hosted a Masterclass at the National Home Improvement show at Earls Court over the weekend. Simon spoke on the subject of avoiding costly extension, improvement and renovation project insurance pitfalls.
Site insurance for the self build market at homebuilding & renovating showSimply Marcomms
Self-Build Zone’s Simon Middleton, spoke at the Midlands show on the subject of: FINANCE: Site Insurance, warranties and the use of standard contracts on self-build, renovation and extension projects.
This document provides an overview of different types of home insurance policies and what they cover. It discusses dwelling coverage, which covers the home and attached structures like garages and porches. It also discusses other structures coverage for detached buildings, and personal property coverage for belongings. The document explains factors that determine rebuilding costs and keeping coverage amounts up to date. It provides details on coverage options like actual cash value versus replacement cost.
Hub Insurance Presentation - Volition Start Up Event 2020Volition Properties
This document outlines several common pitfalls to look out for in investment property insurance policies and recommends ways to ensure proper coverage. It discusses the differences between named perils/fire & extended coverage versus broad form coverage, actual cash value versus replacement cost, vacancy allowance periods, tenant damage coverage, rental income insurance, and ensuring coverage for risks like sewer backup, flood and earthquake. The document then introduces an investment property asset protection program that provides benefits like broad form coverage, higher liability limits, vacancy permissions and included flood/earthquake coverage. It commits to dedicated investor services and claims handling from insurance specialists in real estate.
This document provides a buyers guide and checklist for those looking to build a shed or garage. It outlines important legal requirements and considerations, such as needing a building permit if the structure is over a certain size or cost. It warns that entering into arrangements with companies suggesting the buyer acts as an "owner-builder" may put them at risk. The checklist questions at the end are intended to help buyers determine the quality of products, services, and whether the company is working in their best interests. Buyers should ask about permits, insurance, materials, construction responsibilities and warranties.
This document discusses new home structural warranties, which provide insurance protection for home buyers. It explains that these warranties are backed by an A-rated insurer and cover defects for 10 years. The document outlines what elements are covered under the warranty at different stages of home ownership. It notes that lenders and inspectors will require a warranty and discusses alternatives. It promotes a specific warranty provider, saying their warranty helps developers realize value and provides sales and technical support.
Understanding the role of Structural Warranty & project insurance in reducing...Self Build Zone
Structural Warranty and project insurance help reduce construction risks. Project insurance covers liabilities from new works like public liability and employers liability. A structural warranty provides a 10-year insurance policy that covers defects in design, workmanship, materials and weatherproofing. Technical auditing and building control inspections throughout construction further minimize risks. These tested mechanisms help protect contractors and homeowners.
This document discusses important things for business owners to consider when reviewing their insurance coverage. It outlines 11 key points to check, such as accurately describing your business activities, ensuring property addresses are correct, having adequate security, and setting appropriate liability limits. The document stresses getting the right level of coverage for items like contents, loss of income, equipment inspections, and staff travel. It advises business owners to prepare an asset register, read their insurance documents carefully, and request a free review from an insurance broker to ensure they have the insurance protection needed for their specific business needs.
Ordinance and Law coverage protects building owners from significant out-of-pocket expenses required to rebuild or repair a structure that has been damaged to comply with current building codes. This coverage pays for costs associated with demolishing undamaged portions of a building, losses incurred rebuilding to code, and increased construction costs. It is an important endorsement for older buildings or those subject to frequent code changes. The document recommends contacting an insurance provider like The Murphy Insurance Group to determine if Ordinance and Law coverage is needed.
HOW TO SURVIVE CONSTRUCTION PROJECTS DURING TIMES OF ECONOMIC INSANITYBurns White LLC
Following is a slide deck from a presentation given by Burns White Members Chad A. Wissinger and T.H. Lyda to attendees at the National Railroad Construction and Maintenance Association (NRC) annual conference in January about how to survive construction projects during times of economic insanity.
The document discusses conspiracy theories that claim the United States faked the moon landings and did not actually send astronauts to the moon. It presents evidence cited by conspiracy theorists, such as photos appearing to show the American flag waving in the moon's atmosphere, which does not exist, and a lack of impact craters under the lunar modules. However, the document also provides explanations from NASA for these observations, such as the flag being stored in a tube to cause ripples and the lunar surface being solid rock so craters would not necessarily form from the modules landing. The document examines videos and evidence from both supporters and critics of the moon landing missions.
This document outlines a virtual field trip created by a 2nd grade class that focuses on learning about different states in the United States. It includes pages from several students where they provide the state abbreviation, capital, animal, and a fun fact for their assigned state. It also lists some suggested extension activities for learning more about states through social studies, apps, math, writing, spelling, art, and songs. Links are included for additional facts and resources on the 50 U.S. states.
Wooden frame houses in Germany use wooden frames, bricks for walls, and ceramic roof tiles. Gel houses in Mongolia are portable nomadic dwellings used by herders, with a wool-filled cloth covering over a wooden pole framework. Houses in southern Morocco are made of sun-dried clay bricks mixed with water and molded, then assembled and plastered with clay. Native American tepees were portable cone-shaped tents carried on horses, covered with buffalo hides or canvas, and used for hunting or festivals. Batak houses in Indonesia are stilt houses with ornamental carvings meant to ward off evil, using natural red, white, and black pigments representing the cosmic spheres.
The document discusses how mKU can help users build their professional network and position themselves. mKU allows users to create a profile highlighting their credentials, connections, recommendations, and endorsements. It functions like a digital business card that users can share on resumes and cards. Profiles provide quick introductions and allow easy professional chatting. mKU helps users find clients, candidates, advice and build their reputation through an active online presence.
Trigonometry deals with relationships between the sides and angles of triangles, especially right triangles. It has many applications in fields like astronomy, architecture, engineering, and more. The document provides examples of using trigonometric functions like sine, cosine, and tangent to solve problems involving right triangles, including finding unknown side lengths and angles. It also discusses various trigonometric identities and applications of trigonometry in areas like digital imaging, waves, and architecture.
Arthur Andersen was one of the "Big Five" accounting firms until its collapse in 2002 following accounting scandals. Pressure to generate revenue led Andersen to indulge in accounting irregularities and pursue high-risk clients without proper oversight. Its cozy relationship with Enron, including sending inexperienced auditors and destroying documents during investigations, ultimately led to its ban from auditing public companies and bankruptcy. Deficiencies in Andersen's culture, conflicts of interest from non-audit services, lack of independence, and long client tenures all contributed to its audit failures and downfall.
A Virtual student made Power Point showcasing 21st century skills along with learning the 50 states. Students created their own slides and gave presentation on their states.
Kerajaan Majapahit adalah kerajaan Hindu-Buddha terakhir yang berdiri dari tahun 1293 hingga 1500 di Jawa Timur dan menguasai sebagian besar Indonesia. Majapahit memiliki struktur pemerintahan teratur dengan raja sebagai kepala negara dan dibantu menteri dan dewan pertimbangan. Kekuasaan Majapahit mulai melemah pada abad ke-15 akibat perang saudara dan pemberontakan.
Insurance, warranty, contracts and essential health & safety advice from Self...Self Build Zone
This document discusses various types of insurance and warranties that are important to have for self-build, extension, renovation, conversion, and improvement home projects. It highlights that standard home insurance will not cover these types of projects. It recommends obtaining home improvement insurance, which provides coverage for extensions, renovations, loft conversions, and re-modeling. The document also discusses the importance of site insurance, structural warranties, and following health and safety best practices for various levels of involvement in a home building project.
Self Build Site Insurance Masterclass - Advice on insurance for self builders...Simply Marcomms
Self-Build Zone Director, Simon Middleton spoke at the recent Homebuilding & Renovating Show’s Masterclass Programme on FRIDAY 5th NOVEMBER at 11.30am where he delivered specialist advice on site insurance and warranties and give an introduction to insurance for self-builders and renovators.
Self-Build Zone host self build site insurance masterclass at the National Ho...Simply Marcomms
Self-Build Zone announces that Simon Middleton, Director at Self-Build Zone hosted a Masterclass at the National Home Improvement show at Earls Court over the weekend. Simon spoke on the subject of avoiding costly extension, improvement and renovation project insurance pitfalls.
Site insurance for the self build market at homebuilding & renovating showSimply Marcomms
Self-Build Zone’s Simon Middleton, spoke at the Midlands show on the subject of: FINANCE: Site Insurance, warranties and the use of standard contracts on self-build, renovation and extension projects.
This document provides an overview of different types of home insurance policies and what they cover. It discusses dwelling coverage, which covers the home and attached structures like garages and porches. It also discusses other structures coverage for detached buildings, and personal property coverage for belongings. The document explains factors that determine rebuilding costs and keeping coverage amounts up to date. It provides details on coverage options like actual cash value versus replacement cost.
Hub Insurance Presentation - Volition Start Up Event 2020Volition Properties
This document outlines several common pitfalls to look out for in investment property insurance policies and recommends ways to ensure proper coverage. It discusses the differences between named perils/fire & extended coverage versus broad form coverage, actual cash value versus replacement cost, vacancy allowance periods, tenant damage coverage, rental income insurance, and ensuring coverage for risks like sewer backup, flood and earthquake. The document then introduces an investment property asset protection program that provides benefits like broad form coverage, higher liability limits, vacancy permissions and included flood/earthquake coverage. It commits to dedicated investor services and claims handling from insurance specialists in real estate.
This document provides a buyers guide and checklist for those looking to build a shed or garage. It outlines important legal requirements and considerations, such as needing a building permit if the structure is over a certain size or cost. It warns that entering into arrangements with companies suggesting the buyer acts as an "owner-builder" may put them at risk. The checklist questions at the end are intended to help buyers determine the quality of products, services, and whether the company is working in their best interests. Buyers should ask about permits, insurance, materials, construction responsibilities and warranties.
This document discusses new home structural warranties, which provide insurance protection for home buyers. It explains that these warranties are backed by an A-rated insurer and cover defects for 10 years. The document outlines what elements are covered under the warranty at different stages of home ownership. It notes that lenders and inspectors will require a warranty and discusses alternatives. It promotes a specific warranty provider, saying their warranty helps developers realize value and provides sales and technical support.
Understanding the role of Structural Warranty & project insurance in reducing...Self Build Zone
Structural Warranty and project insurance help reduce construction risks. Project insurance covers liabilities from new works like public liability and employers liability. A structural warranty provides a 10-year insurance policy that covers defects in design, workmanship, materials and weatherproofing. Technical auditing and building control inspections throughout construction further minimize risks. These tested mechanisms help protect contractors and homeowners.
This document discusses important things for business owners to consider when reviewing their insurance coverage. It outlines 11 key points to check, such as accurately describing your business activities, ensuring property addresses are correct, having adequate security, and setting appropriate liability limits. The document stresses getting the right level of coverage for items like contents, loss of income, equipment inspections, and staff travel. It advises business owners to prepare an asset register, read their insurance documents carefully, and request a free review from an insurance broker to ensure they have the insurance protection needed for their specific business needs.
Ordinance and Law coverage protects building owners from significant out-of-pocket expenses required to rebuild or repair a structure that has been damaged to comply with current building codes. This coverage pays for costs associated with demolishing undamaged portions of a building, losses incurred rebuilding to code, and increased construction costs. It is an important endorsement for older buildings or those subject to frequent code changes. The document recommends contacting an insurance provider like The Murphy Insurance Group to determine if Ordinance and Law coverage is needed.
HOW TO SURVIVE CONSTRUCTION PROJECTS DURING TIMES OF ECONOMIC INSANITYBurns White LLC
Following is a slide deck from a presentation given by Burns White Members Chad A. Wissinger and T.H. Lyda to attendees at the National Railroad Construction and Maintenance Association (NRC) annual conference in January about how to survive construction projects during times of economic insanity.
This color brochure illustrates the Weichert Realtors system in depth, and discusses why we are one of the top rated real estate companies in the country.
WE SELL MORE BECAUSE WE DO MORE
This document provides information about settling insurance claims after a disaster. It discusses important first steps like contacting your insurance agent or company immediately. It explains how to prepare for an adjuster's visit by gathering documentation of your losses. It also outlines what is covered by typical homeowners insurance policies, such as temporary living expenses, and what is not covered, like flood damage. The document concludes by describing the claims payment process and factors that may affect the settlement amount.
The document provides information about Burnett & Associates, a specialist insurance provider for the computer, laptop, and tablet insurance market. It discusses their 30+ years of experience, areas of specialism including insurance and warranty policies, and compliance with regulations for the education and disabled student sectors. It also outlines the key elements of the insurance coverage provided, including theft and accidental damage protection, claims handling processes, and after-sales support services.
Read the small print - what roofing specifiers need to know about guarantees...SIG Design and Technology
#PerfectRoof offers various types of guarantees to provide peace of mind for roofing projects. Guarantees may cover products/materials, workmanship/installation, and latent defects. Types of insurance include professional indemnity, public liability, product liability, and insolvency guarantees. Guarantees typically cover 10-20 years and consider the insurance company's rating, financial due diligence, insolvency protection for large manufacturers, whether the guarantee covers just products or consequential loss, and if the insurance company is FCA accredited. #PerfectRoof also provides its own guarantees that cross sections covering professional indemnity, design, materials, workmanship, and insolvency for subcontractors ranging from 10-
This document provides information on properly managing property insurance coverage and handling claims. It advises periodically reviewing coverage to ensure appropriate protection of property. When a loss occurs, the policyholder should document damage, file a claim promptly, and obtain independent estimates. While insurance adjusters act in the company's interest, policyholders can maximize recovery by working with professionals and following policies' claims procedures. If a claim is denied or delayed unreasonably, the policyholder may pursue the insurer for bad faith.
This document provides recommendations to update a property management company's commercial insurance policy. It includes two quotes, one that matches the current coverage and one that reflects the recommendations. The recommendations include adding umbrella coverage for $1 million, adding blanket coverage to allow tapping into other property limits, and adding water sewer drain backup coverage up to $10,000. It also recommends increasing building coverage amounts, using lithium or hardwired fire detectors, keeping renter's insurance on file, and having a dog restriction policy.
Dan Tetzlaff from Hub International Insurance share his expert opinion and speaks on the most common pitfalls when insuring your property and a robust program on how to avoid them.
This document provides advice on how to select a qualified contractor for a home renovation project. The most important factor is trust, and the contractor should be well-established with many positive references, communicate well, provide a detailed fixed-price proposal, carry proper insurance, and offer a written warranty. Getting multiple estimates, working with local firms, and having contracts and plans in writing can help ensure a smooth renovation process.
Unlocking WhatsApp Marketing with HubSpot: Integrating Messaging into Your Ma...Niswey
50 million companies worldwide leverage WhatsApp as a key marketing channel. You may have considered adding it to your marketing mix, or probably already driving impressive conversions with WhatsApp.
But wait. What happens when you fully integrate your WhatsApp campaigns with HubSpot?
That's exactly what we explored in this session.
We take a look at everything that you need to know in order to deploy effective WhatsApp marketing strategies, and integrate it with your buyer journey in HubSpot. From technical requirements to innovative campaign strategies, to advanced campaign reporting - we discuss all that and more, to leverage WhatsApp for maximum impact. Check out more details about the event here https://events.hubspot.com/events/details/hubspot-new-delhi-presents-unlocking-whatsapp-marketing-with-hubspot-integrating-messaging-into-your-marketing-strategy/
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NIMA2024 | De toegevoegde waarde van DEI en ESG in campagnes | Nathalie Lam |...BBPMedia1
Nathalie zal delen hoe DEI en ESG een fundamentele rol kunnen spelen in je merkstrategie en je de juiste aansluiting kan creëren met je doelgroep. Door middel van voorbeelden en simpele handvatten toont ze hoe dit in jouw organisatie toegepast kan worden.
The Steadfast and Reliable Bull: Taurus Zodiac Signmy Pandit
Explore the steadfast and reliable nature of the Taurus Zodiac Sign. Discover the personality traits, key dates, and horoscope insights that define the determined and practical Taurus, and learn how their grounded nature makes them the anchor of the zodiac.
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AI Transformation Playbook: Thinking AI-First for Your BusinessArijit Dutta
I dive into how businesses can stay competitive by integrating AI into their core processes. From identifying the right approach to building collaborative teams and recognizing common pitfalls, this guide has got you covered. AI transformation is a journey, and this playbook is here to help you navigate it successfully.
Enhancing Adoption of AI in Agri-food: IntroductionCor Verdouw
Introduction to the Panel on: Pathways and Challenges: AI-Driven Technology in Agri-Food, AI4Food, University of Guelph
“Enhancing Adoption of AI in Agri-food: a Path Forward”, 18 June 2024
Adani Group's Active Interest In Increasing Its Presence in the Cement Manufa...Adani case
Time and again, the business group has taken up new business ventures, each of which has allowed it to expand its horizons further and reach new heights. Even amidst the Adani CBI Investigation, the firm has always focused on improving its cement business.
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Cover Story - China's Investment Leader - Dr. Alyce SUmsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
Cover Story - China's Investment Leader - Dr. Alyce SU
De-Risk Your Project
1. De-Risk Your Project:
Insurance, warranty, contr
acts and essential health
•Self Build & safety advice
•Extension
•Renovation
•Conversion
•Improvement
2. Is it a plot or a renovation
project? Either way it’s
going to need specialist
cover.
Home Improvement
Insurance
•Extension
•Renovation
•Loft Conversion
•Re-Modelling
3. Home Insurance
EXCLUDES
this!
Use Home Improvement
Insurance
7. New Build
Site Insurance
Legal Expenses
Structural Warranty
8. Conversion
Extension
Renovation
Flat Conversion
Site Insurance
Existing Structure
Legal Expenses
Possibly a Structural
Warranty
9. 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.
10. Site Insurance
New Works
Public Liability
Employers Liability
Plant & Equipment
Caravan & Contents
Personal Possessions
Personal Accident &
Broken Bones
Legal Expenses
Has work started?
11. 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.
12. Some general tips...
Party Wall Liability
You are contractually
responsible for damage
to the Party Wall so make
sure it’s covered.
13. Contracts
Just how trusting are you
going to be?
14. Some general tips...
Home Improvement
Insurance
•Read your policy!
•Keep Receipts
Claims
15. Some general tips...
Security
ID Visitors/Delivery
Drivers
Out of Sight out of Mind
16. Some general tips... Health & Safety
You will have duties under
workplace health and safety law if:
a) you intend to sell the property
on completion, in which case
they would be considered to
be a developer
b) you directly employs (even if
only temporarily), workers to
build the property
c) you choose to manage the
project taking on contractors to
do the work
17. Some general tips... Health & Safety
Your Involvement Application of Health & Safety at Work
Legislation
Level 1
Entirely DIY – not selling on completion
Level 2
Self-managed with own labour & Subcontractors
Level 3
Self-managed with own subcontractors
Level 4
Kit Home with self-managed trades at the point the kit supplier hands over.
Level 5
Watertight Shell with self-managed finishes at the point the contractor hands over.
Level 6
Turnkey project with active client
Level 7
Custom Homebuilding
18. FAQ
My contractor has
Insurance already, do I
need to have my own
insurance?
19. FAQ
Do I have to have Site
Insurance or a Structural
Warranty?
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 the aftermath of 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!