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 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.
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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.

Flooding Insurance Reinstatement

If you’ve recently put a call into your insurance company regarding a claim re flooding or water damage, then now is the time to take a closer read through your policy.

Often your insurance policy usually allows you to appoint your own Chartered Building Surveyor to project manage reinstatement works – on your behalf.

For example; a typical Aviva policy wording states “…If we accept a claim under The Buildings we will also pay for the following: a. Architects’ and surveyors’ fees to repair the buildings. These fees must not be more than those recommended by the relevant professional institutes…

In our experience, victims of flood damage are often further stressed-out by the reinstatement process; having to deal with overworked, under resourced insurance loss adjusters and their equally overstretched (sometimes less qualified) in-house surveyors.  At a time when many properties are affected, often these individuals are difficult to contact and do not have adequate time to devote to their clients.

RMA Surveyors Ltd are professionally qualified, RICS Regulated and experienced in flood reinstatement works. We never take on more work than we can manage. We will provide you with peace of mind and ensure your property is returned back to normal as swiftly as possible. We will liaise directly with your loss adjuster, so you don’t have to.

If you are unfortunate enough to have suffered from flooding and feel a little overwhelmed as to how you will get your property back to normal please contact us.

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.

Goverment boost pledged for flood repairs

High water in Reading, Berkshire

High water in Reading, Berkshire

An extra £30m has been pledged for flood repairs and maintenance, which is on top of the £100m announced by David Cameron earlier this week. Full story: http://www.bbc.co.uk/news/uk-26061795

If your house or building has been affected by flood or water damage, give RMA Surveyors Ltd a call for some professional advice on your situation.

A Full Range of Resedential Surveys

View our updated building surveying page.

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.

Glimmers of Positivity in the housing market.

Signs of improvements in the housing market are continuing to develop, although there is no doubt that people are still struggling to get into the housing market.

ThisisMoney.co.uk report a 1.5% increase in house prices in the year to October 2012 and a growth in demand. Mortgage rates are also reported to have fallen, thought to be as a result of the Funding For Lending scheme by the Bank of England which is supplying cheap money to banks and building societies to encourage them to lend at cheaper rated to borrowers.

The Telegraph report that mortgage lending has improved in the last ten months. However, with comparably unfavorable mortgage terms, stamp duty, professional fees, removals costs and other hidden expenses it is easy to see why people are playing safe and staying put rather than stretching themselves beyond their means.