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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
    • 4,225 Posts
    • 2,738 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
    • 4,225 Posts
    • 2,738 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 ....
    • Victoria Walton
    • By Victoria Walton 8th Mar 18, 3:41 PM
    • 3 Posts
    • 1 Thanks
    Victoria Walton
    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
    I work for a company that refers people like yourself to solicitors who will work your case on a 'no win no fee' bases, our sister company also removes the cavity wall so we will be working along side the solicitors the whole time.
    You have couple options, you can try and do this yourself, if call CIGA and they will send someone out to have a look, if you google CIGA you can see people's reviews on the path.

    Or you could get a solicitor to act on your behalf, at first you will need to provide proof of the damp i.e as many pictures as possible, along with proof that you are the owner of the house. They will then asses the case and if they believe it has high prospects, they will send out a qualified independent surveyor who will asses the damage and make a report, once you have approved the survey the solicitors will send a copy to the installer and go from there.
    Due to the high demand the funder has changed their criteria, the CIGA needs to be dated from 01/03/2010. They won't take cases that have been rejected by CIGA or another solicitors.

    If you would us to assist you more please call 03300 850760. Good luck
    • moneysaver2018
    • By moneysaver2018 24th Mar 18, 8:44 PM
    • 2 Posts
    • 0 Thanks
    moneysaver2018
    cavity claims
    dealing directly with ciga or installers doesn't work! even if you have spoken to them and they have refused, myself and a neighbor used cavity-solutions.co.uk really quick and simple, and the house is dry!!
    • moneysaver2018
    • By moneysaver2018 24th Mar 18, 8:47 PM
    • 2 Posts
    • 0 Thanks
    moneysaver2018
    dealing directly with ciga or installers doesn't work! even if you have spoken to them and they have refused, myself and a neighbor used.cavity-solutions.co.uk really quick and simple, and the house is dry!!
    • dws_72
    • By dws_72 3rd Apr 18, 6:31 PM
    • 148 Posts
    • 140 Thanks
    dws_72
    I'm also after a little advice.
    We moved into our house approx 5 years ago and the previous owners had the cavity wall insulation put in we know this as it was on the survey. And CIGA have saod they hold a copy of the guarantee.
    When we moved in we have some French doors fitted to the rear of the property and according to the ciga website any structural modifications to the building will invalidate your guarantee..
    Any one know if this is correct. ??
    Anyway, since moving into the property we have had no end of issues with damp. Lots of condensation on Windows. Black mould on ceilings upstairs which is hard to get rid of. I've replaced several sets of blinds and curtains due to the damp and mould that I get on them and can't clean off.
    Had some issues downstairs on walls where paper is pealing off and also paint around the windows on the kitchen plus other bits..
    I've had a company contact me and say they can claim or something for upto 25k but has to have been fitted within 5 years or could have been 7
    . But he said that was moving upto 10 soon.
    I can obtain a copy of my guarantee from ciga for 25 quid. But has anyone had any joy with these sorts of claims and would you suggest doing it or should I just go through ciga
    Thanks for the advice
    • Furts
    • By Furts 4th Apr 18, 3:04 PM
    • 4,225 Posts
    • 2,738 Thanks
    Furts
    I'm also after a little advice.
    We moved into our house approx 5 years ago and the previous owners had the cavity wall insulation put in we know this as it was on the survey. And CIGA have saod they hold a copy of the guarantee.
    When we moved in we have some French doors fitted to the rear of the property and according to the ciga website any structural modifications to the building will invalidate your guarantee..
    Any one know if this is correct. ??
    Anyway, since moving into the property we have had no end of issues with damp. Lots of condensation on Windows. Black mould on ceilings upstairs which is hard to get rid of. I've replaced several sets of blinds and curtains due to the damp and mould that I get on them and can't clean off.
    Had some issues downstairs on walls where paper is pealing off and also paint around the windows on the kitchen plus other bits..
    I've had a company contact me and say they can claim or something for upto 25k but has to have been fitted within 5 years or could have been 7
    . But he said that was moving upto 10 soon.
    I can obtain a copy of my guarantee from ciga for 25 quid. But has anyone had any joy with these sorts of claims and would you suggest doing it or should I just go through ciga
    Thanks for the advice
    Originally posted by dws_72

    Did the previous owners have problems with damp? If not that raises questions. If you have similar occupation, and the same number of people in the home, then lifestyle becomes a question.


    Your French doors may invalidate the warranty but this could only be reasonable if the area with damp was around this location.


    Constant damp and condensation on windows caused by defective CWI could happen, but when you say ceilings are also a problem this sounds like taking matters too far. Here the question of lifestyle crops up again.


    CIGA will try to wriggle out of a claim - all insurance outfits do this and this is a simple fact of life. That means if you contact them you should have eliminated any lifestyle issues first. If you have not done this then this CIGA are likely to throw this back at you making it difficult for you to progress your claim.
    • dws_72
    • By dws_72 8th Apr 18, 8:01 PM
    • 148 Posts
    • 140 Thanks
    dws_72
    Did the previous owners have problems with damp? If not that raises questions. If you have similar occupation, and the same number of people in the home, then lifestyle becomes a question.


    Your French doors may invalidate the warranty but this could only be reasonable if the area with damp was around this location.


    Constant damp and condensation on windows caused by defective CWI could happen, but when you say ceilings are also a problem this sounds like taking matters too far. Here the question of lifestyle crops up again.


    CIGA will try to wriggle out of a claim - all insurance outfits do this and this is a simple fact of life. That means if you contact them you should have eliminated any lifestyle issues first. If you have not done this then this CIGA are likely to throw this back at you making it difficult for you to progress your claim.
    Originally posted by Furts
    Really not sure what you mean by lifestyle issues.
    The people that owned the house before were an elderly couple. We have 4 in our household. Me my wife and 2 teenage girls
    We always open windows to keep the moisture down.
    Always open the window in the bathroom when showering or bath.
    Even in the summer when its lovely and warm. There can be moisture on the windows on the morning sometimes.
    • Furts
    • By Furts 9th Apr 18, 8:01 AM
    • 4,225 Posts
    • 2,738 Thanks
    Furts
    Really not sure what you mean by lifestyle issues.
    The people that owned the house before were an elderly couple. We have 4 in our household. Me my wife and 2 teenage girls
    We always open windows to keep the moisture down.
    Always open the window in the bathroom when showering or bath.
    Even in the summer when its lovely and warm. There can be moisture on the windows on the morning sometimes.
    Originally posted by dws_72
    Do not shoot the messenger - I am only giving you a typical answer. I have asked but you have not commented on whether problems existed before you purchased your home. Neither does anybody know whether the previous owners had prepared and checked the home to be suitable for CWI. These are two areas you need to have answers on.

    Coupled with your analysis will be effective bathroom extract, plus any shower room, likewise kitchen. Then trickle vents and any heating extract. To this add a new topic which is maintenance of the home. If wet is getting into the structure then how is this happening? What checks have been undertaken here?

    By all means contact CIGA, but if they come along and point out obvious issues then your claim will be rejected and you are no further forward in getting a resolution. Hence do your homework first. Basically forewarned is forearmed.
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