Insurance Reinstatement Repair

Damp floorWe recently undertook an insurance reinstatement repair contract in Compton, Berkshire.

The semi-detached property had suffered a central heating leak within the floor screed. It could not be determined how long the leak had been established but the whole ground floor screed was saturated. The client appointed us to liaise with the insurance company and their appointed loss adjuster.

We visited the site, assessed the damage and advised the loss adjuster of the works required. We drew together a schedule of works, which we issued for competitive tender. We ensured a contractor was appointed to undertake the works and attended regular site meetings to ensure works were completed within the four week contract period. Our role included liaising regularly with the client to ensure that decisions regarding finishes were made in good time to prevent any delay to the contract and to enable the client to move back from their alternative accommodation as quickly as possible.

Overall, the issue was dealt with within a four month period, from the date the loss was discovered to completion. Our involvement in this project reduced the cost of the claim to the insurer, ensured that the property was sufficiently restored to its pre-loss condition, and enabled the client to be satisfied that works had been undertaken and specified properly.

During the contract period, we were also able to incorporate some amendments and alterations to the ground floor space that the client desired and we were able to clearly separate and demonstrate to the Insurer which works were part of the insured loss and which were undertaken privately for the client.

On completion we certified all works and valued them and made sure the contractor was duly paid. We are pleased to have been able to provide our services and without our involvement it is highly likely that works would not have been completed in the time and to the quality to which they were.

If you’re in need of a Chartered Surveyor to help oversee some insurance reinstatement works, contact RMA Surveyors Ltd on 01635 579208 or complete the enquiry form and we’ll get in touch.

Project Managers for Repairs

Project Management. Repair & Redec Block of FlatsRMA Surveyors Ltd acted as project managers for an external maintenance and repairs programme to a block of flats in Cockfosters, London.

The contract included roof repairs; including repairs to parapet walls and the repair of roof coverings, maintenance to external doors and windows; including repairs and redecoration, providing insulation to tank rooms located on the roof, internal plaster repairs to common areas and redecoration and masonry repairs; including crack stitching and repointing repairs to arches and lintels above openings.

The contract value was for £70,000; we provided specification, tendered the works and oversaw the works in two phases. Unfortunately the initial contractor went into liquidation between phases, so we were required to re-tender the works and oversee phase two using a different contractor.

We saw the work through to completion, awarded final certification and ensured the work was undertaken to a satisfactory standard.

If you require a project manager for any similar repairs, redecoration or refurbishment contracts, please contact us using the form below or call us on 01635 579208.

  • If you are requesting a survey quotation please provide the address and postcode of the property.
  • This field is for validation purposes and should be left unchanged.

Project Manager for Fire Reinstatement

Melted LightbulbRMA Surveyors Ltd have recently been instructed to act as project managers for the restoration of a fire damaged flat in West Ilsley, Berkshire.

The property has been significantly damaged by fire within a couple of rooms, while the rest of the property has been heavily damaged by residual smoke and water, where the fire was extinguished.

Our instruction required us to:

  • appoint and oversee the initial clean up and restoration – cleaning smoke residue, removing items such as white goods and furniture, cleaning surfaces and removing floor coverings and soft furnishings;
  • advise the client to have the electrical services isolated, as they had been badly damaged by the fire;
  • and draw up a specification and schedule of works to issue to tendering contractors.

Once a contractor has been selected, we will be responsible for overseeing the works through to completion. This will include regular site visits, liaison with the building contractor and the client, valuing and certifying works at key stages, liaising and reporting back to the loss adjustor and dealing with any ad hoc queries as required.

When works are completed we will certify and sign off the work. Works will be tendered and executed under the JCT Minor Works Contract. The fees for our appointment as project managers are covered by the insurance policy.

Appointing a project manager can help to reduce the stress that such potentially distressing situations can cause. As Chartered Surveyors, acting as project managers, we are able to use our professional knowledge and expertise in order to facilitate a swift and effective remediation process.

RMA Surveyors Ltd are highly experienced in insurance reinstatement work and as such we provide a service that is cost effective in regards to managing spend for the insurance claim and one that gives the client peace of mind that the project is being overseen and undertaken by professionals.

If you have been affected by fire, flood or other insured risk, please contact us on 01635 579208 or by completing the form below.

  • If you are requesting a survey quotation please provide the address and postcode of the property.
  • This field is for validation purposes and should be left unchanged.

Flood Insurance Reinstatement

Flood waters in residential BerkshireWe are currently overseeing an insurance reinstatement of a flood damaged property in Kingsclere, Berkshire.

We first became involved when our client was having difficulty in getting the loss adjustor from their insurance company to assess the property. We were asked to supply a defect diagnosis report to assess the cause of the water damage to their building.

We undertook the survey and produced the report which we supplied to the loss adjustor, who had not understood the gravity of the technical failure. As a result, we were able to explain that the insurance claim was likely to be larger than the loss adjustor had orginally anticipated and that a larger scale reinstatement would be necessary.

We were duely appointed by our clients to undertake and oversee the project management of the reinstatement, which is currently on site.

If you have damage to your property due to flood, fire or other insurance related loss, please contact us as we may be able to provide our professional assistance.

  • If you are requesting a survey quotation please provide the address and postcode of the property.
  • This field is for validation purposes and should be left unchanged.

When Flood Water Recedes

Flood waters in residential BerkshireRMA Surveyors Ltd have visited many properties over the last few months to assess flood water damage and work with home owners to reinstate their property.

About 6,500 homes have been flooded in the UK since December, according to this interesting BBC article, which takes a look at what happens after the flood water recedes.

If you are concerned about any damage to your property, then enlist the services of a Chartered Building Surveyor.

The reinstatement process can be long and involved. Many factors can come into play that delay or frustrate the process, particularly where there are so many claims being processed concurrently.

In our experience it is better to have an experienced Chartered Building Surveyor appointed to steer you through this lengthy and sometimes frustrating process.

If you need the assistance of a qualified and experienced Chartered Building Surveyor please call on 01635 579 208 or contact us via our contact page.

For further information read Five Steps to Flood Reinstatement.

Is your property affected by flood damage?

If so, get advice from a Chartered Building Surveyor.

A chartered building surveyor is an expert in buildings. Their professional knowledge and expertise as to how buildings are constructed, and how they perform, can assist you in a swift and satisfactory reinstatement of your flood damaged premises.

If you have water entering your building then RMA Chartered Building Surveyors can undertake an initial assessment, report the damage to your insurance loss adjuster, specify, tender and oversee works to their conclusion. At all times we can be your first point of contact and liaise with your loss adjuster directly in the reinstatement of your building.

Call RMA Surveyors Ltd on 01635 579 208 for advice regarding flood or water damage and we’ll be happy to help.

No Flood Insurance Deal May Leave Thousands at Risk

A flooded townThe current flood agreement between the Government and the Association of British Insurers comes to an end at the end of June 2013. Negotiations to continue providing affordable premiums to those most vulnerable to flooding are seemingly at a grinding halt.

Under the present agreement, insurers are committed to offering existing consumers universal flood insurance at affordable rates, providing that the Government invests in flood defenses. However, government spending on flood defenses is reported to have reduced. The Guardian reported last July that 294 flood defense projects have not received funding.

Talks between DEFRA and the ABI over a new deal have been ongoing for months. As many as 200,000 households could find it difficult to source reasonable premiums on flood insurance if no agreement is reached.

Insurance Reinstatement Experts

Impact damge to house We keep hearing from clients that they never knew they could use an independent building surveyor to oversee the insurance reinstatement of their property. Here are a few reasons why it is better to use RMA Surveyors Ltd, an independent chartered building surveyor, to oversee the reinstatement of your property.

Larger insurance brokers offer their own in-house surveyors to oversee fire, flood, water and impact damage claims to property. These companies will appoint the services of their surveyors, to act on your behalf, after they have undertaken their initial assessment of the damage to your property. Often these brokers do not fully explain that you are not obliged to use their in-house surveyor’s services. You are free to appoint your own independent surveyor to specify, tender and oversee works on your behalf under your policy cover. Because your insurance policy covers the fees of an independent surveyor, like RMA Surveyors Ltd , it will not cost you a penny to get impartial, qualified and quality advice and management for the duration of the insurance reinstatement works.

Using an independent chartered building surveyor like RMA Surveyors Ltd is a better option for many reasons. Firstly, using RMA Surveyors Ltd guarantees you are using a qualified professional who is regulated by the Royal Institution of Chartered Surveyors (RICS). As RICS surveyors we are governed by a code of conduct and must act reasonably and impartially at all times.

Secondly, as chartered building surveyors we are professionally obliged to undertake projects diligently and must have the resources and capacity to fulfil a project. Large insurance broker surveyors often have many projects on the go at any one time over a large geographical area. They do not have the time to provide a tailored, bespoke service to each project. Consequently they cannot provide the same attention to detail, often missing important elements critical to the smooth completion of the project. A high turnover of staff and reallocation of resources in these companies can mean you deal with a number of different surveyors. Often works can be specified by the broker’s in-house surveyors by using template documents that do not fit the criteria of an individual project. RMA Surveyors Ltd provide a personal service with a meticulous approach, tailored to each individual property.

Thirdly, RMA Surveyors Ltd provide a fully accountable service which is efficient, detailed and comprehensive at all stages of the project. We also understand the stress and upheaval caused by such events as flood, fire, impact and water damage and endeavour to provide swift reinstatement of your property. As a result of their limited resources, broker’s in-house surveyors are often difficult to contact, do not properly oversee the quality of materials and workmanship on site, are slow to react to problems that arise and provide incomplete documentation.

Lastly, RMA Surveyors Ltd ensure that all works are undertaken by quality independent building contractors, using industry standard building contracts which protect you and clearly define your rights. Therefore, in the unlikely event that something does go wrong you are protected. Often broker’s in-house surveying departments use contracts that heavily favour themselves and their own approved contractors; effectively absolving them of responsibility should a problem arise.

If you have an insurance claim that is causing undue stress or you need some free advice please contact us. We would welcome the opportunity to help you.

A Cold Snap Could Snap Pipes

Bird box in the snowWith weather warnings announced for snow in parts of south Wales, the southwest of England and with a small fluttering of snow on cars this morning here in Berkshire, it’s forecast that we’re in for another cold snap this week.

A survey last year showed that over three million of us suffered damage to our homes in the winter freeze of 2010/2011. The extreme winter weather that occurred between October 2010 and February 2011 damaged 6% of all homes in the UK.

Often the biggest damage caused is the result of escape of water caused by frozen and burst pipes. Extreme cold can cause internal and external water pipes and drainage systems to freeze up, when this happens the water in the pipes expands and can cause the pipes and fittings to split or burst open. When the frozen water melts, damage becomes obvious as water leaks out of the system.

Leaking water can cause severe damage to properties. There is potential for ceilings to hold water, causing bowing and the possibility that the ceiling could collapse. Plaster may become soft and fall apart once it gets soaked with water. Floors, stairs and timber joinery often swell, disintegrate and can rot if left.  Tiles, paint and wallpaper can crack, lift, and peel off when water gets behind.

If you find yourself the victim of such water or flood damage, it’s likely you’ll need to make an insurance claim.

Once you put in your claim, an inspection will be required to assess the damage to your property. A detailed inspection is not something that a loss adjuster is always fully qualified to do and while your insurance company may offer you their in-house surveying service, it’s worthwhile knowing that you are not beholden to use their services. You are entitled to appoint your own independent building surveyor to assess, specify, tender and oversee reinstatement works. In our experience you will receive a far higher level of service when you use an independent construction professional to act as your project manager.

The independent and impartial expertise of RMA Surveyors Ltd, chartered building surveyors,  can determine the real extent of the damage to your property and ensure that your home is reinstated to a professional standard. If you are comprehensively insured there should be no direct cost to you.

If the cold weather results in you having to submit a claim, then contact us. We’ll be pleased to look at your claim and offer an initial free consultation. We have a proven track record in getting insurance claims moving and homes reinstated professionally and efficiently.

Richard Mountain MRICS

HOW TO PREVENT FREEZING PIPES
It’s never too late to go about protecting your home from the extreme cold weather. Why not implement these ideas to help prevent pipes from freezing:
– Lag exposed pipes with insulation
– Install loft and cavity wall insulation (special attention should be taken over pipes in loft spaces)
– Stop any dripping taps and valves, the water could freeze in the waste or overflow pipe and cause a blockage
– Keep your property warm, and if you are going away consider leaving the heating on low
– Try to stop any draughts
– Make sure you know where your stopcock is, should you need to turn off your water supply

Why pay for a construction professional?

Judges gavel and the scales of justiceWe have picked up several projects in the last 6 months where the clients have had builders start or about to begin works with no formal contract, specification, scope of works or even a sketch on the back of a beer mat. As building professionals we see these as shocking omissions. We implore anyone thinking of embarking upon a building project, whether it is a refurbishment, extension, alteration, repair or cyclical maintenance, to only do so if they have taken appropriate professional advice.

Invariably construction is expensive. People want to limit costs as much as possible. Often the services of construction professionals are first to be omitted, in a bid to shave some of this cost. True, in the first instance money has been saved. The fees of surveyors, architects and structural engineers have been avoided. But the saving often doesn’t remain as the project spirals out of control without formal professional management. Worst case scenario the building owner ends up paying for professional fees to put it right or act as an expert witness in court.

Often a good contract administrator or project manager’s value cannot be immediately seen. But a project that has benefitted from the process of feasibility, design, specification, tendering, contractor appointment, management and communication by a qualified professional adds value to a project. Using a professional to steer you through the process will save you money.

A good proportion of RMA Surveyors Ltd instructions are generated by clients who wished they had sought professional advice in the first instance. We have seen sewer pipes terminate below ground floors, all manner of poor masonry detailing and poor mortar specifications, non-compliant roof conversions, unsupported chimney breasts, undersized lintels, dangerous electrics and all manner of other defects. Often work has not been passed by building control and there is no formal contract in place to protect the client.

Many problems encountered are not even considered at the time of installation, but would have been picked up by an experienced professional. Even if a problem is not noted during or immediately after construction the chances are the problem will manifest itself in years to come. Most likely when the property is sold and a purchaser’s surveyor highlights defects or shortcomings. Inevitably the value of the property is reduced at the point of sale.

Coupled with the above, a project that has not been properly specified will undoubtedly result in spiralling costs during construction. We often hear of clients whose builder invoices an inflated final account where no agreement has been made for the extra costs. But with no formal contract or defined contract sum the client is often bamboozled by the contractors’ technical explanations when trying to negotiate. The result is that both parties become entrenched.

A construction professional may not always seem appropriate and can be a cost to be avoided. But RMA Surveyors Ltd experience is although the value we bring cannot always be calculated; the cost of putting it right when it goes wrong cannot either.

If you have a project you would like to talk about please contact us.