There has been cavity wall insulation installed in 12 million houses all across the UK which is part of a huge scheme for reducing energy loss and energy use and will reduce the UK’s carbon footprint ultimately.
Cavity Wall Insulation appeared to be such a great idea and may be installed for free in your home, which is great! Saving one third on your heating bills is so awesome. At least the offerings sounded great.
If all of the parties involved did exactly what they were supposed to, the Cavity Wall Insulation probably could be a very good thing and provide what it was expected to. However, it has been turned upside down by human intervention, inside out and back to front.
There are over 12 million houses in the UK where Cavity Wall Insulation has been installed, and up to 400,000 properties that shouldn’t have ever had it installed did do it, not being aware that it wasn’t designed to be used for their properties. The contractors that installed it should have known not to, and guarantee agencies that issued guarantees should have definitely known better and put systems in place in order to prevent it.
Many Pre-Fab Construction Properties, Timber Frame Properties, and Steel Frame Properties do not need to pass a BBA test to get Cavity Insulation installed in these kinds of houses.
Properties that are potentially suitable need to have a robust pre-survey check conducted to ensure the property is definitely suitable for having Cavity Wall Insulation installed, and the ones that are suitable might need to have repairs done before the installation should be advised of what repairs need to be done and why to educate the homeowner on the pros and cons. However, many installers and salespeople on commission or price per job have a negligent attitude which could mean more than 6 million houses could potentially have major issues, that might be showing up now or could show up in the future.
Check that an active damp course was there and up to date.
Check the brickwork’s condition and ensuring there are no faults or cracks.
Check that the windows seals are tight and right.
There are not major jobs and it isn’t the type of work that is going to cost property owners thousands of pounds. However, it could save homeowners a big mess of mould and damp and other types of issues that could end up costing tens of thousands of pounds in order to extract out the wet cavity wall insulation so that damp woodwork and walls can be repaired and to replace internal fixtures and furniture that is damaged when wall cavity insulation fails.
It is uncertain if claims are going to be successful. Numerous installers have closed their businesses up. You say you’ve heard there is a guarantee? Unfortunately, many of these guarantees are not worth the paper that they are written on. All they cover is the insulation extraction, and only when the guarantee firms agree that the contractor was the one who was at fault, but they often disagree and end up blaming the homeowner for not making repairs and keeping up the property.
What is even more worrisome is the insurance that contractors relied on when registering with insurance agencies tend to now have a mixed bag of policies with excesses on these policies varying significantly. There some with an excess of £1000; some with £5000 excess, while others have £10000, £15000 and even ones with a stunning £1 million pounds excess, which will make it extremely difficult to make a claim.
If your house is smelly, wet, cold, damp, there is peeling paint and paint, furniture and clothes have been affected, your health has been affected, and what was supposed to have reduced your energy bills by one-third, now is actually costing you a lot more to heat.
Since your walls are cold and damp, the U-Value of your house will be reduced and the heat inside will leave your house faster through the wet walls, and therefore you heat will have to be turned up in order to compensate, and that will end up costing you more. It will wear your boiler out faster and the environmental problems will be higher before installing the insulation.
Insulated Claims Service has Chartered Surveyors who deal with Wall Cavity Claims and provide court compliant surveyors who report listings where the faults are, reasons why the insulation has fail able, the costs for extracting it and putting it right, and who is responsible.
Now it is down to the legal process, with solicitors jumping in to run the claims with a lot of knowledge and a few months later they are starting to realise the complications involved and progressing those claims is not easy as it was thought originally.
In law, there are very strict timescales regarding when claims may be brought. Typically ‘Date of Knowledge’ is 3 years from when you first realised there was a fault to filing a claim. Solicitors want the claim to be done as fast as possible to give them plenty of time to prepare a case and investigate before the court deadline and to provide a chance for the insurers to litigate and come to an agreement hopefully. When they cannot, the solicitor will have to get court proceedings issued. Court proceedings are often very expensive as can energy reports and surveyors reports and insurance on claims in order to protect the solicitor and claimant if the event the claim loses.
For many homeowners, it is a very worrisome situation.
If a failed Cavity Wall Insulation is something you have been affected by, get in touch with us to see if they can help you. The service they offer is 100% free to see whether you want to proceed or not. That means there isn’t any pressure or financial implications to proceed and will provide you with real advice without any red tape.