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How is building indemnity voided? How do you know?
EatingGlitter
Posts: 148 Forumite
Hiya,
Sorry about all these questions! With regards to building indemnity how is it voided? Is it literally only if you call up the Building Control section to request information for Building Regs and Planning Permission?
Sorry about all these questions! With regards to building indemnity how is it voided? Is it literally only if you call up the Building Control section to request information for Building Regs and Planning Permission?
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What is the indemnity for?
When did you take it out?
When did the event covered by the policy happen?
What exactly did you say?
ps - you're bumping your enquiry after 20 minutes? Come on! Give people a chance! No one here is paid to sit waiting for your problem!0 -
Sorry deleted0
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Just to add to my post:
provided you did not mention the specific works for which you need)ed) the indemnity, you should be OK.
However, be aware Buildings Regs are there for a reason, not just as a box-ticking excercise. They are there to ensure building work is a) up to standard and b) safe
A particular example is attic conversions. Attics are not designed for living, so the floors joists are not strong enough to take the weight of furniture/people etc. So an attic conversion without Buildings egs could be very dangerous. This is much more of an issue than whether or not an indemnity insurance is in place since it is your life, not your finance, that is in danger.
With an attic, the Building Control officer would ensure that the joists were strengthened, the stairs suitable for use in an emergency (fire), the insulation up to standard etc etc
People and (cowboy?) builders who do building work without getting BRs are exactly the sort of people who cut corners.0 -
Sorry deleted0
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Deleted message0
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1) you did not mention the loft conversion. So no worries
2) you do not intend to use the loft for living in (unless/until you do a proper conversion) so no worries0 -
These policies only really exist because mortgage lenders want all their bases covered but don't seem to have twigged that they don't give any guarantees about the condition or quality of the work.
The likelihood of enforcement action being taken by a Council is very small indeed and that is all the policy pays out for!RICHARD WEBSTER
As a retired conveyancing solicitor I believe the information given in the post to be useful assuming any properties concerned are in England/Wales but I accept no liability for it.0 -
Sorry deleted0
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