I will be self building a two storey extension onto the rear of my
property and I've been busy phoning around the insurers to try to get
a structural defect warranty. It appears that unless my extension is
greater than 50% of the original house volume that no one wants to
know. I've tried zurich, premiere, build zone, BLP and can't get
through to NHBC yet, but none of them will cover it. Two of these even
expressed surprise that I was trying to get a warranty for my size of
build (about one third of the original house volume). My quandry of
course is what happens when I come to sell the house and the buyers'
solicitor inevitably asks for a structural defect warranty. I haven't
tried the architect's certificate route yet, maybe they do this sort
of thing.

Has anyone been through this, if so heeeeeelp

On 24 Jan, 15:54, wrote:
I will be self building a two storey extension onto the rear of my
property and I've been busy phoning around the insurers to try to get
a structural defect warranty. It appears that unless my extension is
greater than 50% of the original house volume that no one wants to
know. I've tried zurich, premiere, build zone, BLP and can't get
through to NHBC yet, but none of them will cover it. Two of these even
expressed surprise that I was trying to get a warranty for my size of
build (about one third of the original house volume). My quandry of
course is what happens when I come to sell the house and the buyers'
solicitor inevitably asks for a structural defect warranty. I haven't
tried the architect's certificate route yet, maybe they do this sort
of thing.

Has anyone been through this, if so heeeeeelp

The only documents that you will have to supply on any sale is a copy
of the planning permission and a building regulation completion
certificate. It is not a legal requirement to have any structural
warranty for an extension.

Cheers, Geoff

The only documents that you will have to supply on any sale is a copy
of the planning permission and a building regulation completion
certificate. It is not a legal requirement to have any structural
warranty for an extension.

Cheers, Geoff

Thanks Geoff. That seems to tally with replies I'm getting on other
forums. I do wonder though if the buyers will have any difficulty in
getting buildings insurance, and hence pull out of the sale, if I
don't have some sort of building warranty.

On 24 Jan, 18:00, wrote:
The only documents that you will have to supply on any sale *is a copy
of the planning permission and a building regulation completion
certificate. It is not a legal requirement to have any structural
warranty for an extension.

Cheers, Geoff

Thanks Geoff. That seems to tally with replies I'm getting on other
forums. I do wonder though if the buyers will have any difficulty in
getting buildings insurance, and hence pull out of the sale, *if I
don't have some sort of building warranty.

How do you think people get away with buying non-newbuild houses - say
a Victorian one?

wrote:
The only documents that you will have to supply on any sale is a
copy of the planning permission and a building regulation completion
certificate. It is not a legal requirement to have any structural
warranty for an extension.

Cheers, Geoff

Thanks Geoff. That seems to tally with replies I'm getting on other
forums. I do wonder though if the buyers will have any difficulty in
getting buildings insurance, and hence pull out of the sale, if I
don't have some sort of building warranty.

You just insure the house - the extension is a part of the house - you don't
need to insure it seperately, whatever made you think you did?

On 24 Jan, 21:36, "Phil L" wrote:

You just insure the house - the extension is a part of the house - you don't
need to insure it seperately, whatever made you think you did?

My guess is OP has a newbuild with NHBC guarantee, which he's
extended, so his concern was to have it all nicely packaged up with
matching expensive but useless warranties. I am only surprised that
the insurance companies didn't gobble his money up immediately.

On 24 Jan, 22:18, notme wrote:
Daniel 9:20. "Whilst I was praying with all my heart, and confessing my sin
and the sin of all my people, and prostrating myself before my God, even
Gabriel, whom I had seen in the vision at the beginning, came to me and
touched me about the time of the evening oblation

Hang on - Gabriel gave Daniel a reach-around in the shower? Is that
the Bible's message?

In message
,
writes
On 24 Jan, 22:18, notme wrote:
Daniel 9:20. "Whilst I was praying with all my heart, and confessing my sin
and the sin of all my people, and prostrating myself before my God, even
Gabriel, whom I had seen in the vision at the beginning, came to me and
touched me about the time of the evening oblation

Hang on - Gabriel gave Daniel a reach-around in the shower? Is that
the Bible's message?

Ooooh, that and much much more...

http://www.landoverbaptist.org/news0201/biblesex.html

--
Si

On Thu, 24 Jan 2008 10:00:14 -0800 (PST),
wrote:



The only documents that you will have to supply on any sale is a copy
of the planning permission and a building regulation completion
certificate. It is not a legal requirement to have any structural
warranty for an extension.

Cheers, Geoff

Thanks Geoff. That seems to tally with replies I'm getting on other
forums. I do wonder though if the buyers will have any difficulty in
getting buildings insurance, and hence pull out of the sale, if I
don't have some sort of building warranty.

You'd perhaps be best investigating some sort of indemnity insurance?
But unless you're selling the house now why worry?

We had an extension done and just after we started I wondered if the
buildis insuirance needed to know. They didn't really care as long as
our builder had insurance so if he knocked the house down whilst
working on it it was his problem.
When we had our completion certificate I rang them up expecting to
have to fax them through the certificate. It turned out they didn't
care and were happy to quote us the same price for building and
contents (More than has a generous limit on rebuilding costs etc)

People find all sorts of objections to try and bargain the price down
when they're buying a house. If you're very concerned then contact a
solicitor who specialises in selling houses and ask them for their
advice on what you need.
--
http://www.orderonlinepickupinstore.co.uk
Ah fetch it yourself if you can't wait for delivery
http://www.freedeliveryuk.co.uk
Or get it delivered for free

On 25 Jan, 09:14, Mogga wrote:
On Thu, 24 Jan 2008 10:00:14 -0800 (PST),
wrote:



The only documents that you will have to supply on any sale is a copy
of the planning permission and a building regulation completion
certificate. It is not a legal requirement to have any structural
warranty for an extension.

Cheers, Geoff

Thanks Geoff. That seems to tally with replies I'm getting on other
forums. I do wonder though if the buyers will have any difficulty in
getting buildings insurance, and hence pull out of the sale, if I
don't have some sort of building warranty.

You'd perhaps be best investigating some sort of indemnity insurance?
But unless you're selling the house now why worry?

We had an extension done and just after we started I wondered if the
buildis insuirance needed to know. They didn't really care as long as
our builder had insurance so if he knocked the house down whilst
working on it it was his problem.
When we had our completion certificate I rang them up expecting to
have to fax them through the certificate. It turned out they didn't
care and were happy to quote us the same price for building and
contents (More than has a generous limit on rebuilding costs etc)

I have 1 years self-build insurance on my extension project. That
covers me accidentally knocking down my house and the neighbour's
house. As far as the building insurance goes, I phoned them up and
they just pointed out some waivers. These were made up for by the self-
build insurance so everything is tied up nicely.
Simon.

wrote:

The only documents that you will have to supply on any sale is a copy
of the planning permission and a building regulation completion
certificate. It is not a legal requirement to have any structural
warranty for an extension.

Thanks Geoff. That seems to tally with replies I'm getting on other
forums. I do wonder though if the buyers will have any difficulty in
getting buildings insurance, and hence pull out of the sale,

I've just (well, September) bought a house with a fair-sized extension.
Apart from checking there was a completion certificate and planning
permission, I didn't worry any more about that part of the house than
any other. I'll admit that it didn't even occur to me to tell my
buildings insurer, but then again if they'd asked I would have said -
since they didn't ask I can only assume that they don't care and don't
need me to contact them about it off my own bat.

Pete

On 25 Jan, 09:14, Mogga wrote:
On Thu, 24 Jan 2008 10:00:14 -0800 (PST),
wrote:



The only documents that you will have to supply on any sale *is a copy
of the planning permission and a building regulation completion
certificate. It is not a legal requirement to have any structural
warranty for an extension.

Cheers, Geoff

Thanks Geoff. That seems to tally with replies I'm getting on other
forums. I do wonder though if the buyers will have any difficulty in
getting buildings insurance, and hence pull out of the sale, *if I
don't have some sort of building warranty.

You'd perhaps be best investigating some sort of indemnity insurance?
But unless you're selling the house now why worry?

We had an extension done and just after we started I wondered if the
buildis insuirance needed to know. They didn't really care as long as
our builder had insurance so if he knocked the house down whilst
working on it it was his problem.
When we had our completion certificate I rang them up expecting to
have to fax them through the certificate. It turned out they didn't
care and were happy to quote us the same price for building and
contents (More than has a generous limit on rebuilding costs etc)

People find all sorts of objections to try and bargain the price down
when they're buying a house. If you're very concerned then contact a
solicitor who specialises in selling houses and ask them for their
advice on what you need.

There is no need for any indemnity insurance as there is no risk to
insure against. The only possible other issue is perhaps requiring
consent under the terms of the covenants that the property maybe
subject to. Its relatively common to have a covenant requiring consent
either from the original landowner or builder for any additions to the
property.