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  • FIRST POST
    • welshblob
    • By welshblob 27th Sep 16, 3:21 PM
    • 427Posts
    • 84Thanks
    welshblob
    Cavity Wall Insulation - Damp/Damage Claims
    • #1
    • 27th Sep 16, 3:21 PM
    Cavity Wall Insulation - Damp/Damage Claims 27th Sep 16 at 3:21 PM
    Hi,

    My parents had cavity wall insulation installed in 2005, the expanding foam type. They now have serious damp/water ingress problems on the gable end which I believe is due to driving rain. I therefore don't think it was appropriate to have it installed originally and would like to understand what recourse we have over this.

    On this site I have seen lots of advice on having cavity wall insulation installed but not very much on dealing with issues/claims. Having seen adverts in the local paper and having googled I can see there are now solicitors specialising in no win, no fee claims for this and there are "advice" websites which feel as front ends to these solicitors. So does anyone have any advice on how to proceed with this, is it best to do it yourself or use one of these solicitors?

    To me, as with PPI, this feels like a topic that MSE should write an article on as I expect its heavily process based and the money involved to repair the property could run into thousands.
Page 4
    • Rufusthered
    • By Rufusthered 9th Feb 18, 1:35 PM
    • 7 Posts
    • 1 Thanks
    Rufusthered
    I sent CIGA an email just before I started the discussion here saying I now wanted to escalate to a claim against MP for all the unnecessary work we had done which made no difference to the damp patches in the house, and to claim for the condemned chimneys, and should we go through them (CIGA) or start an action ourselves. I had a reply to say they had forwarded my email to MP! So I wait to hear from them but MP has already told me that they will not pay anything... I didn't realise MP and CIGA were so closely aligned..
    • Furts
    • By Furts 9th Feb 18, 1:57 PM
    • 3,877 Posts
    • 2,466 Thanks
    Furts
    I sent CIGA an email just before I started the discussion here saying I now wanted to escalate to a claim against MP for all the unnecessary work we had done which made no difference to the damp patches in the house, and to claim for the condemned chimneys, and should we go through them (CIGA) or start an action ourselves. I had a reply to say they had forwarded my email to MP! So I wait to hear from them but MP has already told me that they will not pay anything... I didn't realise MP and CIGA were so closely aligned..
    Originally posted by Rufusthered

    But you are not making a claim against MP, you are claiming against your warranty with CIGA. By stating you want to claim against MP and sending this email to CIGA it is right for them to bounce it back out of their office.


    From my perspective, which may be quite different from yours, you do not seem to have a clear strategy of who you are going after.


    Assuming you have a valid CIGA Guarantee, and I am guessing you have because they have agreed to be involved (but check this), then you should not be having any communication with MP.


    Nothing is easy, and you will need to battle. Hence my earlier comment about tactics and strategy.
    • Rufusthered
    • By Rufusthered 9th Feb 18, 2:02 PM
    • 7 Posts
    • 1 Thanks
    Rufusthered
    That may be true! But no-one has really given us any advice so what are our options? How can we do the right thing when we do no know what that is and there seems nowhere to find out?! We turned to CIGA for guidance in desperation and I seem to recall that they said they will arbitrate..
    • Furts
    • By Furts 9th Feb 18, 2:28 PM
    • 3,877 Posts
    • 2,466 Thanks
    Furts
    That may be true! But no-one has really given us any advice so what are our options? How can we do the right thing when we do no know what that is and there seems nowhere to find out?! We turned to CIGA for guidance in desperation and I seem to recall that they said they will arbitrate..
    Originally posted by Rufusthered

    You should have a guarantee from CIGA comprising one sheet of A4. This is in simple terms and says little, but does explain about complaints/claims going through CIGA. There is possibly no advise out there which may be why the solicitors did not want to assist.


    Arbitrate sounds worrying - it suggests Arbitration. If so this costs!
    • CavityAnswerman
    • By CavityAnswerman 20th Feb 18, 8:18 PM
    • 2 Posts
    • 0 Thanks
    CavityAnswerman
    Well it's true. Cavity wall alreasy is on its way to becoming the next PPI. So far these proving to be not so rogue companies are securing compensation and damages for the majority of homeowners brave enough to take a punt. Average payout of 23k so far with the highest being 84000 pounds. FACT.
    As an ex installer and technical inspector of said cavity wall insulation inits various forms.....I knew this was coming for the last decade. The quality of work was virtually unmonitored and consequently barely any houses were installed correctly. The scale of the problem is epic.
    CIGA do not have the funds to sort this size of a problem.
    I survey 5 properties a day for energy efficiency and 4 out of 5 would fail insulation inspection be it cavity or loft.
    The problem is caused by ill-considered ad hoc approaches to insulating old housing stock. In 1950 there was no insulation in the loft no insulation in the walls and single glazing. I can remember the condensation running down the glazing as a kid..... improve windows to double glazing .......condensation migrates to walls and ceilings ......insulate loft and walls .....where's the condensation going ???? To any point that the insulation hasnt covered or filled en mass! If you have random mould growth in areas you wouldn't typically expect on external walls and ceilings after having these works " completed " I'd be seriously looking to being one of the millions entitled to claim ........this will be my new career as I have the knowledge to help anyone I can and it's such a shame most of the scammers who installed it will reinvent themselves as new companies helping you to remove it . Please please please let this be heavily regulated this time as all the extracted housing will need reinsulating !!! Personally I believe this will go all the way back to the energy companies who paid for the work as they are the ones who benefitted from the "carbon saving" that didn't actually happen due to the standard of the works ....... watch this space ....
    • CavityAnswerman
    • By CavityAnswerman 20th Feb 18, 8:26 PM
    • 2 Posts
    • 0 Thanks
    CavityAnswerman
    Well it's true. Cavity wall alreasy is on its way to becoming the next PPI. So far these proving to be not so rogue companies are securing compensation and damages for the majority of homeowners brave enough to take a punt. Average payout of 23k so far with the highest being 84000 pounds. FACT. All NO WIN NO FEE 25% of your comp goes to solicitor (PPI took 39%) that's 25% of the compensation FOR CAUSING the damage....you get All 100% of the award to PUT THE DAMAGE RIGHT

    As an ex installer and technical inspector of said cavity wall insulation inits various forms.....I knew this was coming for the last decade. The quality of work was virtually unmonitored and consequently barely any houses were installed correctly. The scale of the problem is epic.
    CIGA do not have the funds to sort this size of a problem.
    I survey 5 properties a day for energy efficiency and 4 out of 5 would fail insulation inspection be it cavity or loft.
    The problem is caused by ill-considered ad hoc approaches to insulating old housing stock. In 1950 there was no insulation in the loft no insulation in the walls and single glazing. I can remember the condensation running down the glazing as a kid..... improve windows to double glazing .......condensation migrates to walls and ceilings ......insulate loft and walls .....where's the condensation going ???? To any point that the insulation hasnt covered or filled en mass! If you have random mould growth in areas you wouldn't typically expect on external walls and ceilings after having these works " completed " I'd be seriously looking to being one of the millions entitled to claim ........this will be my new career as I have the knowledge to help anyone I can and it's such a shame most of the scammers who installed it will reinvent themselves as new companies helping you to remove it . Please please please let this be heavily regulated this time as all the extracted housing will need reinsulating !!! Personally I believe this will go all the way back to the energy companies who paid for the work as they are the ones who benefitted from the "carbon saving" that didn't actually happen due to the standard of the works ....... watch this space ....
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