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.

Protect your home against flooding

IMG_0810This is the advise being given to residents across Berkshire.

The Met Office has issued a yellow warning for rain in the district today (Wednesday), with 15-25mm of rain expected to fall within the yellow zone between 9am and 9pm.

There is also a yellow warning for wind in place between 10am today and 3am on Thursday. For more information visit: http://www.newburytoday.co.uk/2014/more-rain-to-fall-in-west-berkshire-tomorrow

If your home has been affected by the floods or water damage, call RMA Surveyors Ltd for advice.

More Rain Coming. West Berkshire braced for further flooding

Filling Sandbags at Chieveley West Berkshire

Filling Sandbags at Chieveley West Berkshire

Royal Berkshire Fire and Rescue Service have been tweeting that they are very busy with flood related incidents, including a rescue from a house in Ouseley Road, Wraysbury. The Windsor Observer reports that 20,000 sandbags are to be distributed to properties in the Datchet and Wraysbury area. More sandbags are being filled in Chieveley as West Berkshire braces itself for more heavy rain.

If you are unfortunate enough to suffer from flooding and feel a little overwhelmed as to how you will get back to normal please contact us. It is worth remembering your insurance policy usually allows you to appoint your own Chartered Building Surveyor to project management reinstatement works on your behalf. In our experience flood victims can become further stressed by the flood repairs process; having to deal with overworked, under resourced insurance loss adjusters and their in-house surveyors. In periods where many properties are affected these individuals are often difficult to contact and do not have adequate time to devote to their clients.

We are qualified and experienced in flood reinstatement works and 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.

Flood Waters Cause Property Damage & Threaten Thousands

Road closed due to flood water in Compton

Road closed due to flood water in Compton

After two very wet winters river levels are at bursting point. The Thames is dangerously high. Local roads are closed and road surfaces are damaged. According to the BBC news the army have been posted to critical locations on the Thames to help with sand bagging and flood defence operations. Berkshire is particularly badly affected. With the residents of Datchet feeling the brunt of the excess water. See here for the BBC news article.

Submerged wier at Goring

Submerged wier at Goring


Passing through Goring today and it is clear just how worrying the situation is. The locks and weirs that are such a prominent vista as you pass over the Goring and Streatley bridges are completely immersed in water. The Swan hotel has undertaken flood defence measures and water is literally lapping at the doors of some properties.

Flood defenses - The Swan Hotel Goring

Flood defenses – The Swan Hotel, Goring

The forecast is that water levels may get higher still as more rain is said to be on the way. We know first hand from past clients of the emotional devastation that flooding brings. We also know that in critical times like this insurance loss adjusters and their in house surveying teams are extremely overstretched. If you are unfortunate enough to suffer damage to your property from the floods you are usually entitled to appoint your own chartered surveyor to oversee the reinstatement works on your behalf at no cost to yourselves. If you do need the services of a professional chartered building surveyor with experience in flood damage reinstatement please contact us.

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.

What is Woodworm?

Wood boring insect flight holes in roof rafter

Wood boring insect flight holes in roof rafter

Damage caused by that commonly referred to as woodworm is actually caused by a beetle larvae. These larvae hatch from eggs laid on the outer surface of timber, where once hatched they burrow into the wood, creating tunnels as they feast.

It can take up to five years for the grubs to reach maturity. Before which they form a pupae eventually emerging as beetles and leaving characteristic flight holes in the timber surface.

Timber damage from wood boring beetle should not always be cause for alarm. For instance some larvae can only feed on damp timber. Once the cause of damp has been rectified the food source, and thus the larvae, will be stopped. In some cases the pest may have been present in the timber prior to construction and the process of sawing, drying and treatment will have killed any larvae leaving only residual damage as evidence of their existence.

The type of timber, size of flight holes, type of dust, or “frass”, left behind and condition of affected timber are all indicators of the type of species and likely damage that can be expected.

In cases where beetle larvae are active they have the ability to cause structural damage and remedial insecticidal treatment is often required.
Damage can be caused to sapwood (the outer rings where sap rises in a tree) and heartwood (the inner rings or ‘heart’). Darker heartwood damage is less common due to the presence of chemicals acting as a natural repellent. Heartwood damage is considered serious as the structural integrity of timber is greatly reduced when heartwood is attacked.

The death watch beetle is considered a particular menace as it feeds off both heartwood and sapwood.

The beetle most commonly referred to as woodworm is the Common Furniture Beetle (Anobium Punctatum). This beetle’s larvae are found to be present in sapwoods of both softwoods and European hardwoods. Infestations are common throughout the UK. Attack is rare in dry wood and modern timber panels such as plywood. It is most common when timber is damp. Where timber is exposed to good central heating this type of larvae usually dies out. Unheated and humid areas of properties such poorly ventilated roof and sub floor voids are most at risk. The larvae live for 2-5 years. Tunnels are numerous and close knit. Bore holes are circular and up to 2mm in diameter. Beetles emerge in late Spring and Summer.

Although treatment can be undertaken through drying out of timber, insecticidal treatment of live infestation is often recommended in order to swiftly arrest the damage.

Sink Hole Swallows Car

Sinkhole swallows carSee this brief news article where a sink hole has opened up in a residential area in Walter’s Ash, High Wycombe.

See this link for the full story.

Note how close to the building the hole is. Aside from a car being buried at the bottom of the hole, the owners of this property are no doubt seriously concerned about the stability of their building.

We can only speculate as to the cause of the hole, but the recent heavy rainfall should be a consideration.

We had brief involvement with a similar sized hole in an undisclosed location in Newbury. Our involvement was on behalf of nearby building owners was concerned of the effect is would have on their property. Fortunately we found no immediate cause for concern. However, just where and when sink holes may appear is anyone’s guess.

 

 

Risk of flooding

As the rain lashed down, it seemed rather appropriate that RMA Surveyors Ltd attended a continual professional development seminar yesterday on flood management organised by 3CPD (www.3cpd.co.uk).

Hosted by Claire Thirlwell, a chartered landscape architect, the principles and practicalities of flood management were discussed, based on her experience designing schemes to reduce floods occurring.

With another day of rain today and more parts of the country becoming flooded, it seems more important than ever that we take flooding into consideration when buying a property.

People should ensure the correct searches are carried out and get a building survey undertaken by a professional to ensure the potential new acquisition is not at risk and if it is, that it is highlighted as such.

It’s better to be prepared, so if you know your property is in an area that could flood, install appropriate protection measures well in advance to reduce the risk of flood water getting inside.

If you’re unfortunate to have suffered from flood damage to your property, we can assist you too.

Under the terms of your insurance policy you are often able to employ your own independent building surveyor to oversee the insurance reinstatement of your property, rather than relying on the overstretched surveyors appointed by loss adjusters.

Remember it is your property and you are free to appoint your own independent surveyor to specify, tender and oversee works on your behalf. An insurance policy often covers the fees of an independent surveyor, like RMA Surveyors Ltd. Providing you are adequately covered it should not cost you a penny to get impartial, qualified and quality advice and management for the duration of the insurance reinstatement works from us.

If your property has suffered from any flood damage, or you’re looking to purchase a house in a flood risk area, contact us for some professional advice.

How do you know if the Party Wall Act etc 1996 applies to works?

New structure adjoining older structureIf you are planning on undertaking building works the Party Wall etc Act 1996 may apply. If you do not know of a requirement to serve or respond to notices you are not alone and we can help.

Many people are unaware of their obligations and rights that the Party Wall Act provides. Building works that proceed without complying with the Act can lead to significant difficulties, legal action, and a breakdown in neighbourly relations. Iit is not just building works directly affecting a party wall or boundary wall that may require action under the Act.

A Building Owner may decide to build a permanent structure on his own land within 6 meters of a neighboring party structure, build near or on a boundary or cut into or otherwise alter an existing party wall. In all these cases the Party Wall Act can apply. The Act allows for a Building owner to progress with works whilst protecting the an Adjoining Owners’ interests.

Where an Adjoining owner has concerns regarding a neighbors’ proposals they can appoint an independent party wall surveyor to provide help and explain the implications and procedures of the Act.

The requirements of the act stipulate that where there is a disagreement, a Party wall surveyor can step in to guide the process according to a defined protocol. Anyone can act as a Party Wall Surveyor. However a surveyor should ideally be experienced in construction,  have read, understood and be able to operate within the Act, interpret technical details, drawings and ultimately work diplomatically to provide swift resolution.