Cavity wall Insulation Guarantee - Seller not providing original but copy + No Fensa certificate

Jumblebumble

eddddy said:

AC20 said:

We are referring to Cavity wall guarantee. We know from building control regulation application that it was applied for. They said the original won't be provided.

The "original cavity wall guarantee document" is pretty much irrelevant.

The type of things you need to establish are:

• Who installed the insulation - are they a reputable company?
• If they issued a guarantee - what are the terms?
• Is is transferable to you? If so, what do you need to do to transfer it? (Do you have to pay a fee, etc?)
• If it's a company backed guarantee - is the company still in business? If not, the guarantee is worthless.
• If it's insurance backed, find out the current status of the insurance company.
• Speak to the company/insurer to make sure the guarantee is still in force etc.
  
• Look online etc for reviews of the company that did the installation, and reviews from people who have tried to claim on the guarantee. 

AC20 said:

2. Our solicitor has asked for FENSA Installation certificates for work completed in 2005. The certificates are not available. Do we still require an indemnity policy considering the time period elapsed?

That's up to your mortgage lender (who will be advised by your solicitor).

In simple terms, it's a bit like this....

You have to prove that the windows were installed in 2005 - and not much more recently - or pay about £50 for an indemnity policy.

So if a FENSA certificate can't be found, one option might be to pay a surveyor £300 to inspect them and write a report saying that they were probably installed in 2005. But it's cheaper and easier to just pay £50 for (unnecessary) indemnity insurance.

My understanding is that building control can regularise this situation 
This might  be better and i suspect cheaper than the surveyor but i agree that indemnity  insurance is far cheaper