Why should I use you and not the NHBC or other Provider?

Apart from the cost, our Award Winning Team will reply to your queries in minutes. We don’t request a Holding Bond and there are no renewal fees. We can provide the industry’s fastest indicative quote via our QUICK QUOTE request button on our website. An Architects Certificate* (or PCC as they are known now) is all you need to be able to sell or mortgage your completed property within the next six years. If this is your major criteria and you want to save around 50% in fees then you should use us. Also, if you are depending on stage payments from your bank then you’ll need our interim certificates for that, so you should use us. Our interim certificates and our snagging lists alone are worth the fee we charge, but you also get the six year PCC on top. However, if you want a ten year guarantee that’s more than a simple structural certificate, with in-house problem resolution and if you don’t mind paying extra for that, then you should use our ABC+ option. We will beat all other genuine 10 Year Warranty quotations. All of our Surveyors are Chartered to the highest industry standard.

What if your insurer becomes insolvent?

Firstly, our PCC certificates are backed by A rated Lloyds syndicates.

Secondly, if our ABC+ Warranty insurer was to become insolvent, you have additional protection in place as we issue at no extra cost to yourself our 6 Year PCC.

No other provider in the UK provides this additional protection for home owners or their mortgage lenders

What if you stop trading but I’ve paid my ABC+ 10 Year Warranty premium?

That’s easy, Warranty premiums are paid directly to our insurer. Unlike other 10 Year Structural Providers, we don’t hold client Warranty premiums.

What do you mean by in-house problem resolution?

A full repairing Structural Warranty Insurance Policy attempts to resolve any future building problems in-house i.e. Not dependent upon others to organize a remedy (as with a PCC).

So how do you resolve problems using your PCC option?

Primarily, we do everything diligently and up front to make sure that you don’t have any major structural problems in the first place. Providing a PCC is more about prevention than cure. We don’t personally resolve any problems after the completion and issuing of the consultant’s certificate however, we do provide you with an independent dispute resolution solution free of charge. The Professional Consultants Certificate* will certainly fulfil all of your financial and funding requirements, but it is NOT an insurance backed, latent defects insurance like our ABC+ 10 year Structural Warranty is.

Do you sell any form of guarantee, warranty or insurance product?

As the Appointed Representative of Ten Insurance Services Ltd we can sell any type of building insurance or warranty. Primarily we can provide the ABC+ service, which is a ten year Structural Warranty. We can also provide: Road & Sewer Bonds known as a section 278 and section 38, Insurance Backed Guarantees, Contractor & Sub-contractor Bonds, Water Utility Bonds also known as a section 104.

What is the ABC+ upgrade system, how does it work?

ABC+ is our unique, trademarked system that enables the linking of the services of our insurer to the professional surveying services of Architects Certificate. We are a team of Specialised Building Surveyors providing structural certification for new-build or converted older properties. Since 1989 our structural certification has been accepted by banks and building societies. You can either start with our PCC service and upgrade at any time to our ABC+ 10 or 12 year Warranty if later required. Alternatively, you can commence immediately with our ABC+ 10 or 12 year Warranty if preferred.

How many claims have you had made against you so far ?

None… zero. We have been providing structural certification for over twenty years with zero claims against our Professional Indemnity Insurance, that’s not because we don’t ‘pay out’, it’s because we only certify properties built to a good standard and we are diligent during our inspections of works in the first instance.

That’s a good track record how have you managed that?

Simple, we ensure that properties are built to a good standard. Importantly, and as part of our free advice service, we always recommend that you use a builder who has a good local reputation. Combine that with our input and that of the Local Authority Building Control (LABC) or Approved Inspector (AI) and the risks of major problems can be dramatically reduced. Remember that most problems are usually discovered within the first two years and during that time, it is the responsibility of the builder to rectify defective works during this period. We also limit the amount of Professional Consultants Certificates issued in any one year, thereby ensuring we have a manageable workload in order to concentrate our efforts. The ‘Big Guys’ issue many tens of thousands of certificates and employ hundreds of surveyors in any one year, whereas our inspections are carried out by accredited CML professionals of the company who have a vested interest in only certifying properties built to excellent standards.

But mistakes can still be made so how do I make a claim on a PCC?

With a Professional Consultants Certificate (PCC)* THERE IS NO DEFECTS ELEMENT TO THE INSURANCE. So you will not be able to claim for items such as flaking paintwork or a faulty door handle. If the surveyor is found to be negligent in his duties, which leads to a structural problem then a claim is valid. The ABC+ warranty works differently because it has an insurance element to cover any structural fault. With ABC+ simply notify us of the problem and we will investigate the cause and remedy.

So is a Professional Consultants Certificate (PCC)* worth the paper it’s written on?

Yes of course, it certainly is worth every penny. Considering that with our PCC you also receive interim certificates for your mortgage lender stage payments, snagging lists for the builder, all the advice and guidance you need and a six year assurance that will enable you to raise bank or building society lending. All of the monitoring is carried out by Chartered Professionals who fulfil the Council of Mortgage Lenders (CML) requirements.

Can I upgrade to a full Warranty from a PCC?

Yes of course and at any time during the build period or during the following 6 years from completion.

How much Professional Indemnity insurance do you have?

£5,000,000.00. If you require more that’s not a problem, just let us know. This is Professional Indemnity Insurance to cover the surveyor against each and every negligence claim.

Are NHBC warranties worth the paper they’re written on?

Yes of course; especially for the larger residential development companies.

However, please don’t pay for more than you need and, ask yourself, do I really want to deal with the NHBC? Our 10 year Warranty ABC+ provides a more comprehensive level of cover for much lower premiums than the NHBC.

What is the LABC?

Local Authority Building Control. You need to have your working drawings approved by your LABC or an independent assessor prior to starting any of the work. We will work alongside them, most likely following on from their inspection with our own. At the end of the project and upon satisfactory completion you will receive a completion certificate from the LABC; when we receive a copy of this certificate we will issue our own certificate. The interim certificates for the drawdown of funds from your bank are independent of this and will be issued as and when you request this throughout the project; most commonly at DPC, wallplate, roof enclosure and completion stages.

What is an interim certificate?

When you’ve completed part of the work on your house, say for example the foundations up to the DPC, you’ll most likely require some funds from the bank. The bank will look to us, being fully insured Chartered Surveyors (RICS), to provide the evidence that you have indeed completed this part of the work. They might even require confirmation of the appropriate amount of funds to be released; we can do this for you all- inclusive in our fees. It is done by means of a certificate, signed by one of our qualified staff and sent direct to your bank or solicitor. Do you need a Collateral Warranty? We can also provide our 12 year collateral warranty for your lender.

Just talk me through your system please?

OK. No problem, but don’t forget you’re welcome speak to our award winning team directly on 0161 928 8804 during normal office hours. Alternatively, e-mail us at info@architectscertificate.co.uk This is our system:
Once we have fully understood your requirements and agreed the fee, we would request a single copy of all of the following:

· Planning and building permissions with any conditions

· Ground condition survey

· Any structural calculations you may have

· Any other relevant technical data

· Your intended start date (e.g. when you surface strip the site)

· Building regulation approval and your working drawings.

· We will then check your technical details for compliance

· If everything is in order, we will invoice you for the fee or agree a payment plan, register the scheme and arrange the first site inspection

· During the build period we will continue with each inspection usually at the stages of excavation of ground and site preparation, DPC, completed shell prior to plaster and finally completion. Following each stage inspection, we will issue a written report to you alerting you to any problems, builders snagging and so on. At each stage, if asked to do so, we can contact your bank and authorise your draw-down of project funds

· You then finish the project and obtain a Building Regulation Completion certificate, a copy of which you send to us

· We make one final check of the project and tick all of the boxes we need ticking and issue you with any final snagging list.

· We then issue you with a Professional Consultant’s Certificate.

· If you have opted for our ABC+ system, the surveys are identical and we are able to issue our 10 year Structural Warranty Certificate in addition to our PCC service.

· This is a seamless process and we act on your behalf to liaise with your solicitor, bank or building society.

What’s a Snagging list?

A snagging list itemises all the little bits (sometimes not so little) that require finishing or remedying before hand over of the property to the client e.g. a silicone seal missing from around the bath or maybe, more seriously, a structural matter. Some snagging items are aesthetic and shouldn’t cause a problem, but at the least you might use our report to negotiate a reduction in the contractors bill.

Is there anything else I should know?

Yes!

· For extra peace of mind, we can arrange either a 6, 10 or 12 year Insurance Backed Guarantee for any specialist works such as basement tanking, flat roof areas and so on.

· Once a firm order is placed with us our services are immediate, we don’t keep you waiting. If you use the NHBC or other similar warranty providers they’ll most likely want time to check all of the technical details before you start and if you’ve already commenced on site they won’t be interested in going forward. They might even ask for a large security bond up front and most likely ask for some membership fees. We understand the needs of developers and self-builders so our services are immediate and effective.

· Our Trading Standards Consumer Code: When appointing our services, ALL Developers agree to abide by our standards set out within our ABC+ Code for New & Newly Converted Property Sales. A copy of our Consumer Code will be made available to you upon your request but also at our quotation stage as a standard requirement. Our Consumer Code applies to Developers only (not to self builders) and when appointing us for our ABC+ 10 or 12 Year Structural Warranty service only and not for our PCC service.

· We are the market leaders for this system and have been established longer than any other similar service provider. Since 1989 our Technical Director and our time-served surveyors have witnessed first-hand the problems and pitfalls of self-build and have the years of experience you can call upon.

 

 

 

Accreditation.

— Established in 1989.

Our surveyors hold at least one of the following qualifications.