self build zone – site insurance and structural warranties
DESCRIPTION
Self Build Zone – Site insurance and structural warranties. Avoiding costly self–build, extension, renovation and home improvement project insurance pitfallsTRANSCRIPT
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Avoiding costly self–build, extension, renovation
and home improvement project insurance pitfalls
Insurance for self-builds, renovations, conversions
and extensions...
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Remember, the renovation, extension or conversion project you
are embarking on is unique, so deal with an expert that understands
that.
Insurance for self-builds, renovations, conversions
and extensions...
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Home Insurance Exclusions!!
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Insurance for self-builds, renovations, conversions
and extensions...
All new build projects are different, so talk to an
expert that understands that.
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£220,000 Fire Loss
£492 premium
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Site Insurance
Legal Expenses
Structural Warranty
New Build
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Site Insurance
Existing Structure
Legal Expenses
Possibly a Structural Warranty
ConversionExtension
Renovation
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Site Insurance should be purchased when you
exchange contracts on the plot or building you
wish to renovate.
Site Insurance
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New Works
Public Liability
Employers Liability
Plant & Equipment
Caravan & Contents
Personal Possessions
Personal Accident & Broken Bones
Legal Expenses
Has work started?
Site Insurance
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Party Wall Act
Party Wall Liability
You are contractually responsible for damage
to the Party Wall so make sure it’s covered.
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Arrange this PRIOR to submitting a Building
Regulation Application to SAVE money.
Structural Warranty
We can cover properties that have been
completed and require a warranty retrospectively
to sell on.
Get the warranty provider to quote for Building
Control!!
– it removes duplicated inspections and can save
you money!
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Contracts Just how trusting are you going to be?
A building contract for a Self-builder is just
£19.50www.selfbuildzone.com
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Claims
Some general tips...
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ID Visitors/Delivery Drivers
Out of Sight out of Mind
Some general tips...Security
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Health & SafetySome general tips...
Self builders will have duties under workplace health and safety law if:
a) they intend to sell the property on completion, in which case they would be considered to be a developer
b) the self builder directly employs (even if only temporarily), workers to build the property
c) they choose to manage the project taking on contractors to do the work
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Health & SafetySome general tips...
Self-Build Category Application of Health & Safety at Work Legislation
Level 1Entirely DIY – not selling on completion
Level 2Self-managed with own labour & Subcontractors Level 3Self-managed with own subcontractors Level 4Kit Home with self-managed trades at the point the kit supplier hands over.
Level 5Watertight Shell with self-managed finishes at the point the contractor hands over.
Level 6Turnkey project with active client
Level 7Custom Homebuilding
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Health & SafetySome general tips...
The self builder who takes on the project management role would have duties to ensure: • Health and safety risks are
properly controlled throughout the project
• Activities are coordinated to ensure the work is done safely
• Contractors they appoint are competent to do the work safely, and
• Those working on site co-operate with each other.
Practical Guidance...
HSE Website at:-www.hse.gov.uk/construction
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Health & SafetySome general tips...
There are a number of well known duties under CDM which are NOT required of self builders • There is no requirement to
notify HSE of the project• A CDM Coordinator need not
be appointed• A health and safety plan does
not have to be prepared• A health and safety file does
not have to be prepared for the completed structure/building
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My contractor has Insurance already, do I need Site Insurance?
FAQ
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Will Public Liability be enough?
FAQ
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Do I have to have Site Insurance?
• Storm Damage
FAQ
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Do I have to have a Structural Warranty?
• Structural Failure
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Structural repairs are expensive!
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Thanks for listening, are there any questions?
We are on standK170