Can you get insurance to cover DIY building work ? I am doing some
demolishing and rebuilding
against a party wall. If I pay a builder it will cost me double, but
the work will be covered by the builder's insurance.
What happens if I do no damage, but then something make unstable in the
demolition collapeses later on. How long am I liable for.
Any one out there who's built extensions - did you consider this ?
Simon.

"sm_jamieson" wrote in message
oups.com...
Can you get insurance to cover DIY building work ? I am doing some
demolishing and rebuilding
against a party wall. If I pay a builder it will cost me double, but
the work will be covered by the builder's insurance.
What happens if I do no damage, but then something make unstable in the
demolition collapeses later on. How long am I liable for.
Any one out there who's built extensions - did you consider this ?
Simon.


=====================
I've just renewed my household insurance ('Buildings & contents') and the
policy contains a clause covering public liability for £2,000,000. I don't
think this clause is primarily intended to cover DIY work BUT it might do
so. You could check your insurance to see if it has a similar clause and if
so ask if it will cover your proposed work.

In any case your insurance company will probably be able to dream up some
way of covering you and taking an extra premium.

Cic.

Cicero wrote:
"sm_jamieson" wrote in message
oups.com...

Can you get insurance to cover DIY building work ? I am doing some

I've just renewed my household insurance ('Buildings & contents') and the
policy contains a clause covering public liability for £2,000,000. I don't
think this clause is primarily intended to cover DIY work BUT it might do
so.

Mine does, I made sure of it, so ask them. They wanted to know if I'd
be underpinning, I daresay diy underpinning would increase the risk.


NT

I've got a self-build mortgage - and "special perils" insurance. Double
premium but covers serious stuff going wrong.

The owners could sue for upto 3 years from discovering the damage
caused by your work - NOT from when you actually did the work.
Successive owners would aquire this right too.

Your household policy would typically cover non-specialist DIY -
including general extension work. Underpinning may be considered
specialist and beyond the scope of normal DIY, so you could be
uninsured.

dg

wrote:
I've got a self-build mortgage - and "special perils" insurance. Double
premium but covers serious stuff going wrong.

I just got a quote from selfbuildzone.com for 30 grand rebuild on my
extension and 100 grand rebuild on existing properties, covers for 24
months, cost 666 quid. But I will check the buildings insurance to see
what is/ can be covered.
Simon.

sm_jamieson wrote:
wrote:
I've got a self-build mortgage - and "special perils" insurance. Double
premium but covers serious stuff going wrong.

I just got a quote from selfbuildzone.com for 30 grand rebuild on my
extension and 100 grand rebuild on existing properties, covers for 24
months, cost 666 quid. But I will check the buildings insurance to see
what is/ can be covered.
Simon.

Update: my house insurers (L&G) offer no public liability, I will have
to get a
self-build insurance.
Simon.

"sm_jamieson" wrote in message
oups.com...

sm_jamieson wrote:
wrote:
I've got a self-build mortgage - and "special perils" insurance.
Double
premium but covers serious stuff going wrong.

I just got a quote from selfbuildzone.com for 30 grand rebuild on my
extension and 100 grand rebuild on existing properties, covers for 24
months, cost 666 quid. But I will check the buildings insurance to see
what is/ can be covered.
Simon.

Update: my house insurers (L&G) offer no public liability, I will have
to get a
self-build insurance.
Simon.


====================
It might be worth changing your insurer to one which does offer public
liability. An odd roofing tile (from your roof) blowing in the wind could
break you unless you're a millionaire.

Cic.

"sm_jamieson" wrote in message
oups.com...

sm_jamieson wrote:
wrote:
I've got a self-build mortgage - and "special perils" insurance.
Double
premium but covers serious stuff going wrong.

I just got a quote from selfbuildzone.com for 30 grand rebuild on my
extension and 100 grand rebuild on existing properties, covers for 24
months, cost 666 quid. But I will check the buildings insurance to see
what is/ can be covered.
Simon.

Update: my house insurers (L&G) offer no public liability, I will have
to get a
self-build insurance.
Simon.


====================
It might be worth changing your insurer to one which does offer public
liability. An odd roofing tile (from your roof) blowing in the wind could
break you unless you're a millionaire.

Cic.



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sm_jamieson wrote:
wrote:
I've got a self-build mortgage - and "special perils" insurance. Double
premium but covers serious stuff going wrong.

I just got a quote from selfbuildzone.com for 30 grand rebuild on my
extension and 100 grand rebuild on existing properties, covers for 24

Are 30K and 100K the amounts of cover? It might cover the cost of
physical damage to property but it's way too low for public liability.

MBQ

wrote:
sm_jamieson wrote:
wrote:
I've got a self-build mortgage - and "special perils" insurance. Double
premium but covers serious stuff going wrong.

I just got a quote from selfbuildzone.com for 30 grand rebuild on my
extension and 100 grand rebuild on existing properties, covers for 24

Are 30K and 100K the amounts of cover? It might cover the cost of
physical damage to property but it's way too low for public liability.

MBQ

No, thats just rebuild. Full details:

http://www.selfbuildzone.com/si-cover.asp

Simon