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Loft space HELP!
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Estate agent will try to organise inspection by a structural engineer. Told me that I would have to foot the bill for 'making good' after the inspection, if it went ahead. As if!0
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I'm not making the arrangements, this will come from the vendor if it happens at all. I've given the estate agent till middle of next week to get back to me, also emphasised that I would rather walk away then pay for the inspection or any work that is necessary because of an inspection, added that I would understand if the vendor now wanted to readvertise the property or go back to the other bidder.0
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OP, you have an identical problem to me when I was about to buy a flat in 2007. I paid out for the structural survey and had a seperate engineer look at the roof and it revealed that an important roof support HAD been removed. So I then arranged for quotes to put it all right and make it into a decent loft conversion along with appropriate building regs. This was going to cost me 13K. As the flat was a reasonable price (for 2007) I negotiated 3K of the price with the vendor.
Vendor was agreeable until the day the building regs people asked to inspect what was currently there, then all of a sudden she refused any further access to the property and insisted on exchange and completion within 10 days.
Of course I smelt a rat and I called her bluff. She wouldn't allow access so I pulled out. She could already see I was serious in that I'd paid for the full surveyor's report etc. The sale fell through, the flat went back on the market and never sold! The vendor ended up letting it out in the end.
SO my advice from this story? walk away now. Really not worth all the stress and hassle and extra money. Good luck!0 -
Urgh! This takes me back!! Our current house had a "room" in the attic too. Turns out whoever had done the job had cut out all of the thick supporting wood doodahs right the way down the length of the attic. The mortgage company didn't even bother with a retainer - the just outright wouldn't lend us the money until we'd fixed it. Thankfully we have a good friend who is a joiner and the house was a bargain so we carried it out. We had to exchange contracts and then do the work before completion.
It had actually gotten building regs too, but there must have been some kind of back-hander going on because even *i* could see that what they'd done was pure stupid.
Good luck with it!
Sarah.
DD is 8 years old DS1 is 6 years old
DS2 is 14 months old0 -
If the structure has not been altered (internally as well as externally) then as long as you are not attaching any value to the loft as a room then it should not be an issue for the mortgage co or your insurance - if the structure has been altered then you need to make sure it remains structurally sound hence the survey. Not an expert but I would have thought that neither velux windows nor a staircase if it only required the removal of a couple of ceiling joists would impact the structure but obviously if any of the supporting timbers for the roof itself were removed then this would be an issue....I think....0
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Hi,
Very old loft conversions seem to escape the enforcement of the Building Control Officer (BCO) but many of these are often death traps and having surveyed one some time after a young lady had died within such a non complying conversion, I can tell you non compliance with current fire / means of escape regs should be made a criminal offence.
More recent loft conversions do need Building Regs approval (and some need LA Planning Approval too) and that applies to it being an office / playroom just as much as it applies to it being a bedroom.
If it is habitable space you have to comply as you aren't going to kid anyone that it is only down as an office but on the quiet the kids sleep up there. If you have a claim on your insurance and they spot you are using the loft as a habitable room and by that I mean office / playroom / bedroom / study / music room, call it what you will when it doesn't comply you risk being uninsured and in my book as I indicated above just plain stupid if you are prepared to risk your family getting burnt to death just because you don't like the red tape and expense of compliance. I even see people keep a loft ladder and access trap but put their kids up there to sleep on the quiet - great fun until they couldn't get out with the thick black smoke from a fire.
This is entirely the vendors problem and not yours. They have to obtain retrospective approval from the BCO (and if applicable the LA Planning Authority) and undertake all necessary works to comply entirely at their own expense not yours. Otherwise that loft is simply storage that from what you are saying needs corrective works simply to return it to its original design just to make the roof safe which again should be entirely at the vendors expense not yours. Kindest regards David Aldred Independent damp and timber surveyor.0 -
The insurance problem was one I considered right after viewing but was advised by the estate agents that it wouldn't be a problem. I called an insurance firm yesterday and asked them if I would get insurance. At first I was told yes it wouldn't be a problem because it wasn't one of the question they asked i.e. has the property been altered in anyway. Understanding that I was talking to the front lies sales people I asked what would happen if after insuring there was a problem with the roof and I then informed them of the alterations and the survey.
After speaking to an advisor I was informed that the insurance would be void and I wouldn't be able to make a claim because it is illegal to sell a house that has been altered structurally but dosen't have building regs.
I contacted the estate agents, their line is still that I should be able to get insurance because a number of other properties that they have sold have been altered in a similar way. Couldn't seem to grasp that it's not the getting of the insurance, yes I could get insurance if I don't mention the alterations, the important factor is making a claim and being decline because I hadn't made the insurance company fully aware of the situation. Actually probably closer to the trust is that they understand this all to well but want the sale and the commission.
Just a heads up to anyone in a similar position. Make your own enquires with insurers and be really clear about all the factors that might come into play if you ever were to make a claim.0 -
Well done Stivy for pushing to speak with somebody who knows what they were on about and not just a sales pitch - please appreciate that void insurance just wouldn't only apply to the illegal conversion area it would apply to your entire house, so if you had a fire you loose the lot with no insurance and even a claim for something that is nothing to do with the loft may well void because you have lied to them in the same way a drunk driver not declaring they have been banned when getting insurance. If you think insurance doesn't matter think how you would go on if your childrens friend died up there and you were not insured.
The estate agent should know very well they are on dodgy ground trying to market this as habitable space and their advise to you and anyone else they attempt to mislead appears to be negligent.
Kindst regards, David Aldred Independent damp and timber surveyor0 -
I read this thread in interest as it a problem I am also facing into - it seems to be a very regular theme.
I'm interested in a repossession which has had a loft conversion without building regs. I'm not overly concerned with it having a loft conversion so would another option be to remove the staircase and revert it back to just being a boarded out loft ?
I guess I will still need a structural survey to assess if any key supporting structures have been removed? By doing this would insurance be OK or is the real only true way to contact the BCO and have them assess and approve the works either as a loft conversion or back to a boarded out loft?
Thanks
Dave0
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