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.

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.

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.

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.

Six Steps to a Party Wall Award

Party wallRecently we have had a number of requests for information regarding party wall procedure. With the aim of providing guidance the following is an overview of the basic procedure of serving Party Wall notices:

1. Firstly, do you need to issue a party wall notice? For the sake of argument let’s say you do. Do you know what type of notice needs to be served? A line of junction notice? A party structure notice? Or a notice of adjacent excavation? In some cases it may be just one in some cases it may be all three. This can easily be determined by any good Party Wall Surveyor who knows the Party Wall Act.

2. Secondly, on whom are you serving notice? Who is the freeholder? Are there any leaseholders? Does the proposed work affect more than one structure? If so, there are likely to be a number of parties to whom notice must be served.

3. With the aforementioned identified notice can be served. RMA Surveyors Ltd are often asked to become involved in Party Wall matters after notice has been served. Clients sometimes see an early saving being made by not appointing a Party Wall Surveyor, as the process seems simple at the outset. However, as the process develops it can become more complex and Building Owners seek to appoint Party Wall Surveyors to untangle the knots. We would say two things at this juncture. Firstly, fees for initial notice are usually minimal. Secondly, issue of the correct, properly drafted notices at the outset will save time. If a notice is not correct, it is invalid and another valid notice must be served. It can take two months before works can start from date of issue of a valid notice.

4. Valid notice is served to the Adjoining Owner. They now have fourteen days to respond. The adjoining owner can assent or dissent to the proposed works. If the adjoining owner does not respond in this period, works are deemed to be in dispute. If the Adjoining Owner agrees to works, the Building Owner may, by written agreement, proceed with works. We strongly recommend a condition survey of the Adjoining Owner’s property be undertaken prior to works commencing, to provide a benchmark and avoid later dispute.

5. If no response is received or the Adjoining Owner dissents to works the building owner will need to write to the adjoining owner to request they appoint a Party Wall Surveyor. The Adjoining Owner may opt to use the Surveyor appointed by the Building Owner. They may prefer to appoint their own Surveyor. In most cases the fee for the Adjoining Owner’s Surveyor will be borne by the Building Owner.

6. Once appointed the Agreed Surveyor or Surveyors should then work to draw up a Party Wall Award. A Party Wall Award is the framework whereby works affecting the party structure are to be executed. A condition survey of the Adjoining Owner’s property will be undertaken. Once the Party Wall Award is agreed and published works can commence from the date stated within the Award.

Please also see our Party Wall Pitfalls blog with more useful guidance about the Party Wall process.

Japanese Knotweed: Protecting Your Property from Invasive Damage

Japanese knotweed at the rear of a property

Japanese knotweed is one of the UK’s most invasive plant species, capable of causing severe structural damage to buildings and devaluing properties. If left unchecked, it can spread rapidly, leading to costly repairs and legal disputes. At RMA Surveyors, we provide professional surveys and expert advice to help property owners identify, assess, and manage knotweed effectively.

What Is Japanese Knotweed?

Japanese knotweed is a highly invasive plant species that can grow through concrete, tarmac, and building foundations. Its rapid growth and resilience make it a serious threat to properties, often requiring professional assessment and remediation.

Learn more about knotweed and property management.

Why Is Japanese Knotweed a Problem?

Unchecked knotweed can lead to:

Close up of Japanese knotweed
  • Structural damage to walls, floors, and foundations.
  • Reduced property value due to legal and financial implications.
  • Difficulty obtaining mortgages or selling affected properties.

Our comprehensive surveys help identify knotweed early and offer practical solutions for remediation.

How RMA Surveyors Can Help

We provide:

  1. Knotweed Identification Surveys: Accurate assessment of the presence and extent of knotweed on your property.
  2. Damage Assessment Reports: Detailed evaluations of structural damage caused by knotweed.
  3. Remediation Advice: Recommendations for safe and effective knotweed removal or control.

Contact us today to schedule your knotweed survey.

The Legal Implications of Knotweed

Under the Wildlife and Countryside Act 1981, it’s illegal to plant or cause Japanese knotweed to grow in the wild. Additionally, property owners have a duty of care to prevent knotweed from spreading to neighboring properties. Failure to manage knotweed can result in legal action and compensation claims.

Read more about knotweed regulations in the UK.

Frequently Asked Questions

Can Japanese Knotweed Be Removed Permanently?

Yes, but it requires professional intervention. Knotweed removal often involves chemical treatments or excavation.

How Can I Tell If My Property Has Knotweed?

Look for its distinctive heart-shaped leaves and bamboo-like stems. If you’re unsure, our surveys can provide a definitive identification.

Is Knotweed Covered by Insurance?

Standard property insurance policies often exclude coverage for knotweed damage, making early identification and control crucial.

Don’t let Japanese knotweed threaten your property. Contact RMA Surveyors today for expert knotweed surveys and advice. Protect your investment with professional guidance.

Top 5 Building Maintenance Tips

Defects that affect the structure of a building are usually caused by the simplest of issues,  which are easily remedied with a regular cyclical maintenance programme. The age old adage that prevention is better than cure rings true. The following is a list of the RMA Surveyors Ltd top 5 problems regularly encountered that could be easily prevented.

Poorly maintaned guttering1.    Keep rainwater goods regularly cleared and maintained. This is one of the simplest practical steps one can make to maintain any property. Safe access should always be factored in, particularly on larger commercial premises. That said the regular maintenance and clearing of rainwater goods will save hundreds, often thousands of pounds in remedying associated defects. We have discovered a dry rot outbreak covering three floors of a four story commercial premises; damaged masonry and staining; water ingress inside the building saturating the concrete floor screed; rotten external timbers and windows; damaged plaster and decorations internally; rusting of steel framing to a prefabricated system built property. All of these defects could have been easily prevented by maintenance of gutters and downpipes. In some cases poor rainwater management can lead to more serious structural damage caused by subsidence, where soil has been eroded away. For a small annual cost such problems could easily be avoided.

Partially blocked sub floor ventilation grille2.    Ventilation of buildings. This is a broad ranging subject, but in essence all one needs to do is remember a simple rule that buildings and their materials need to be adequately ventilated (or breath). The typical scenario we find is where suspended timber ground floors are not adequately ventilated. The presence of ventilation grilles on external walls indicates that the floor is likely to be timber and the void below needs to be well ventilated to prevent the accumulation of moisture. Typically solid floor extensions are installed and no provision is made to retain ventilation. This can create unventilated pockets where moisture can accumulate allowing the conditions for wood boring insects larvae (commonly called woodworm) and all kinds of rot to establish. Simply ensuring that ventilation grilles are maintained and not covered over could end up saving you thousands.

Loose repointing undertaking using cement rich mortar3.    Masonry repairs are often undertaken without due consideration for what original materials were used. Commonly I find that brickwork gets repointed in a cement mortar that is stronger than the surrounding brickwork. The result of this is that the mortar joints no longer allow water to evaporate and the brickwork begins to retain more water. On solid walled properties this can lead to damp on the internal wall surfaces. It can also mean damage to bricks in cold weather as the surface of the brick can be pushed off by the freeze/thaw cycle. Often repointing work can work itself loose due to expansion and contraction at differing rates with the brickwork and repointing is required far sooner than should be required. Make sure that when you are undertaking external masonry repairs it is done so by a contractor who understands the original construction and the work is correctly specified.

Flashing junction weathered with bitumen tape4.    Critical junctions between building elements such as chimneys and extensions are often poorly weathered with lead flashings in poor condition or missing altogether. The recent spate of metal thefts has compounded to the issue, as people are becoming increasingly reluctant to replace lead. Opting for cheaper bitumen backed aluminium tape is a temporary solution, but should not be relied upon to form a proper long term weatherproof junction. Where lead flashings are installed the standard of workmanship can often well below par. If you are planning to have any lead work undertaken make sure it is done by an experienced installer who understands the material and follows the industry standard guidance available from the Lead Sheet Association.

Jungle outside a back door5.    Finally, external decorations and maintenance of vegetation. Innumerable problems are associated with the simplest of maintenance tasks, namely vegetation management. Ivy climbing up walls may look idyllic but in some cases it can do permanent damage to masonry and cause all manner of associated problems. Careful pruning and maintenance of trees near buildings is also worthwhile especially in drought affected areas as the amount of water taken up by maturing trees can cause subsidence. A simple lick of paint every 5 years to external joinery will prevent costly maintenance of external and internal elements.

The above are simple measures that will save you time, stress and money. If you have a property that requires a detailed cyclical maintenance program, so you can plan and manage your maintenance budgets, or you require more urgent repairs and remediation, then please contact us. Our initial consultations are always free and we would be pleased to provide you with a full quotation based on the level of service you require.

Richard Mountain MRICS

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