When building a property or converting a building into residential dwellings, 2 types of certificates are available once a property is completed and you CAN NOT SELL the completed property without one of these!
Either of these certificates should only be issued by a professionally qualified person such as a Chartered Building Surveyor who has monitored and/orchecked the works that have been carried out have been done so to a satisfactory standard and that the property is fit for purpose for future homeowners and their mortgage lenders to rely upon these certificates.
A Structural Warranty
In the event of a defect in workmanship, product or design discovered up to 10years after the completed works, a claim may be made to rectify or even rebuildthe property.
If a defect is discovered up to 6 years after the completed works whereby the defect could have been identified and/ or prevented during the Monitoring Building Surveyors inspections, a claim may be made to rectify or even rebuild the property.
As mortgage lenders are tightening up their lending criteria, unless a provider of aPCC or a Warranty has been appointed from the commencement of works the lender may reject either of these certificates.
This may prevent the property from being mortgageable! Don’t get caught out!
Despite the majority of mortgage lenders stating that they accept both types of these certificates under the UK Finance mortgage lenders handbook,
6.7.4 AND 6.7.1 of their lending criteria, this MAY NOT always be the case. We would always recommend appointing a PCC or Warranty provider
BEFORE works start, not only because of the above, but because it is also much more cost-effective. This is because there is more risk involved from an insurance claims point of view, if works have not been monitored throughout the construction stages and the Monitoring Building Surveyor may not be able to see any defects that have been covered over.
Warranties – Not Cut and Dry
It’s important to note that if a Warranty provider has been called in late in the day, ie when the property has already been completed, the level of cover provided under the Warranty certificate is identical to the cover provided had the property been monitored throughout. The only difference is the cost to purchase such cover. Typically this can be twice as expensive if not more than appointing a provider from the commencement of works.
Fair For All Budgets
A Structural Warranty is typicaly twice the price of a PCC. So depending on your budget, a Structural Warranty is not always an option for a self-builder or smaller developer and in those cases, a PCC would be their only option.
Don’t Put It Off
Appoint a certificate provider from the commencement of works!
Structural warranty provider, ABC+ Warranty has reported another high level of activity in the construction industry from new build to conversion works. The Structural warranty provider is constantly looking at ways to maintain its award-winning services through the whole of the United Kingdom, Scotland, Wales and Northern Ireland. We already provide the fastest quotation service in the UK so this will bring more benefits to ABC+ customers and staff.
Life Construction is an up and coming team of specialist builders, who are bringing a new concept into the construction world, supported and surveyed by ABC+ Warranty, Principal, Building Surveyor Jason Burns RICS.
Building from the ground up in rural Scotland, Life Construction is tackling a new build for the first time and are looking to progress in the construction market. Constructing a new build using off-site sustainably manufactured timber frame building creates many benefits for timber frame buildings: Cost-effective, labour saving, quick turn around. Such timber frame buildings are also highly versatile as they can be clad in almost any building material. Cladding in general should comply with the latest fire regulation requirements found here
STA sets out guidance for the professionals involved in monitoring timber frame constructions, also using the Building Regulations limiting risk.
Designers will have to specify materials that:
– Reduce the potential for fire ignition
– Limit the spread of fire
– Stop the passage of hot gases and smoke
Structural Engineers will influence the material choice to provide ‘passive protection’
ABC Chartered Building Surveyors perform a desktop assessment, ensuring approved materials carry CE markings. Within the CE marking process, there is a requirement to declare the reaction to fire for timber products. The required level of fire performance for structures is typically given in terms of a reaction to fire classification and a fire-resistance rating, as given in the Building Regulations. In timber frame buildings, fire resistance is typically achieved by providing fire-resistant linings to compartment floors and walls. The spread of fire through concealed cavities is restricted using cavity barriers; typically positioned in the external cavity walls between the timber frame structure and the cladding materials. A cavity barrier is a material filling a gap that provides 30 minutes resistance to fire, as proven by fire tests or assessments.
Furnace tests are used to determine the duration of time that a structural assembly retains its stability, insulation and integrity. Structural timber buildings are designed to be robust against fire. The use of timber in the building’s structure has design principles that are tried and tested in the construction industry and have demonstrated that timber structures can comply with fire regulations…
Life Construction’s Timber frame Specification:
ABC+ Warranty Property Insurance
ABC+ Warranty offers the most cost-effective mortgage lender approved 10 Year Structural Warranty certification in the UK. For Life Construction and our many other satisfied clients, we offer high-quality customer service and support from start to finish on your Build project. ABC+ is lean and resilient, with forward-thinking investments in both staff and technologies, ensuring customers receive value for money during these uncertain times. As part of the warranty cover, our Principal Surveyor Jason has completed a full plan check and to date, carried out regular Zoom inspections in addition to physical site inspections at key stages of the Build process for this type of new build project.
Happy to help.