Been offered indemnity insurance but not sure...?

Benjama00

3 questions ....
There has been an internal wall and rsj put in but the owners have no paperwork pertaining to this and no building regs sign off. My questions are:
1) is there any type of indemnity policy that covers us finding out the work are unsafe and covering the cost for the work (I understand it is normally if the council happen to condem the work but that realistically will never happen) .e are there different levels of cover or is it just tough luck on us if they haven't been carried out right and need redoing?
2) if it isn't an indemnity policy is there any kind of cover you can get for finding this out and having to do the work again properly?
3) what other steps could be taken to resolve this matter?
Thank you for your help

Chanes

It seems you have no proof that the RSJ installed is up to the job - I think I'd try and get that resolved much more than troubling about a policy if the thing fails.

AnotherJoe

I would go with "3", you get a professional to look at it. This will be somewhat disruptive. Its negotiable who pays for it.

Benjama00

You can see in the ceiling where the "RSJ" is so to speak but don't know if calls have been done etc.
I suppose I know there is a right way to do things but is not doing it quite that way all that bad if the homebuyers survey picked up no issues with the house? No movement etc
Thank you again

AnotherJoe

Benjama00 wrote: »

You can see in the ceiling where the "RSJ" is so to speak but don't know if calls have been done etc.
I suppose I know there is a right way to do things but is not doing it quite that way all that bad if the homebuyers survey picked up no issues with the house? No movement etc
Thank you again

A homebuyers survey won't tell if there is a structural fault.

Doozergirl

You want a structural engineer to look at it and okay it, that's all. Peace of mind, not another insurance policy over the indemnity offered.

Davesnave

AnotherJoe wrote: »

A homebuyers survey won't tell if there is a structural fault.

Indeed, the only person who can tell you for sure if the RSJ is adequate is a structural engineer.

People who bodge never get a sign-off and certificate.

I'm perfectly prepared to believe that a few naive people have also
had adequate work done under the radar, but how to tell the difference, that's the problem.

Cakeguts

Davesnave wrote: »

Indeed, the only person who can tell you for sure if the RSJ is adequate is a structural engineer.

People who bodge never get a sign-off and certificate.

I'm perfectly prepared to believe that a few naive people have also
had adequate work done under the radar, but how to tell the difference, that's the problem.

Sometimes you can tell if the room has odd posts in it. I once spotted a staircase that had had a wall removed where the ceiling of the room downstairs was being held up on a strategically placed post at the bottom of the stairs. So in this case I would be looking for odd room dividers for a start and then get a structural engineer's report.