Expert Support in High-Value Building Insurance Claims

Expert Support in High-Value Building Insurance Claims

Before: An office space that suffered malicious damage after being converted to a cannabis factory by a drug cartel.

For property owners facing significant damage, navigating an insurance claim over £100,000 can be daunting. RMA Surveyors offers an experienced, independent service for high-value insurance reinstatement claims, providing a more efficient, thorough, and client-focused alternative to insurer-appointed adjusters. With extensive experience handling claims in Berkshire, Oxfordshire, and London, RMA Surveyors is committed to ensuring policyholders receive quality results with expert guidance every step of the way.

The Benefits of Choosing Independent Advice

Unlike insurer-appointed loss adjusters who may prioritize the insurer’s interests, RMA Surveyors works exclusively to advocate for the client. From the initial assessment to final repairs, our surveyors provide unbiased and detailed advice, collaborating with reputable contractors to manage repairs in line with the policyholder’s needs. By using a proven network of contractors, we ensure higher quality repairs, efficient timelines, and accountability, which can be harder to guarantee with insurer-recommended contractors. Learn more about the benefits of working with an independent chartered surveyor.

Experience That Makes a Difference

After: The office space after successfully being reinstated through an insurance claim administered by RMA Surveyors.

Our experience with high-value claims is extensive and includes a range of complex scenarios. We understand the intricacies of the claims process and the importance of managing every detail carefully. With RMA Surveyors, clients benefit from our ability to foresee challenges, coordinate effectively with contractors, and maintain quality control at every stage. This is especially critical for claims in excess of £100,000, where precision and timely completion can make a substantial difference in the outcome.

Accountability, Quality, and Value

Our approach prioritizes transparency, accountability, and consistent communication, setting us apart in the industry. RMA Surveyors maintains rigorous standards in every project, working with contractors who are chosen not only for their technical skills but also for their commitment to timely and high-quality work. This ensures clients receive excellent value, minimizing risks associated with delays, additional costs, or inadequate repairs. Unlike many in-house loss adjusters, we are not bound by restrictive agreements, giving us full control over project standards and empowering us to achieve better results for our clients.

A Client-Centred Approach to Reinstatement

At RMA Surveyors, we believe that clients deserve a smooth, well-managed process that respects their time, budget, and property. By eliminating unnecessary layers of bureaucracy, we streamline the claims experience and deliver a comprehensive, client-centred service that focuses on each client’s unique needs. We provide detailed updates and thorough documentation throughout the claim and repair process, helping clients understand every aspect of their claim and ensuring their expectations are met.

Why RMA Surveyors?

Serving Berkshire, Oxfordshire, and London, RMA Surveyors has a well-established reputation for delivering a superior claims experience, especially in high-value scenarios. Our dedication to quality, transparency, and client satisfaction ensures that each claim is handled with the care and attention it deserves. By choosing RMA Surveyors, clients receive the benefit of our regional knowledge, technical expertise, and a commitment to results that align with their best interests.

If you have an insurance claim that needs professional management, contact RMA Surveyors. As a trusted chartered building surveying company, RMA Surveyors provides expert, independent guidance to help you achieve the best possible outcome for your claim.


Further Reading and Resources

  1. Royal Institution of Chartered Surveyors (RICS): Information on RICS standards and qualifications for chartered surveyors.
  2. Association of British Insurers (ABI): Learn more about the insurance claims process and industry practices.
  3. Financial Ombudsman Service: Guidance on addressing complaints about your insurer’s handling of a claim.

Ensuring Safety Compliance: RMA Surveyors’ Expertise in Building Height Measurement Surveys

In light of recent regulations, the role of building surveyors has never been more crucial. At RMA Surveyors, we understand the critical importance of precise building height measurement, particularly following the introduction of the Building Safety Act 2023. This legislation, driven by a need for heightened safety following the tragic Grenfell Tower fire, has introduced strict requirements for building safety, including the accurate measurement of building heights.

The Importance of Accurate Building Height Measurement

Under the new safety framework, accurate building height measurements are essential. The Building Safety Act 2023 imposes rigorous guidelines on building owners and management companies, particularly those overseeing high-rise properties. An accurate height assessment is often the first step in determining whether a building falls under the scope of the act, specifically those over 18 meters in height or with seven stories or more.

At RMA Surveyors, we have successfully conducted numerous building height measurement surveys for property management companies throughout London and the South East. We employ state-of-the-art technology and meticulous processes to ensure the highest level of accuracy. As experienced RICS-certified professionals, our surveys form a reliable foundation for meeting safety regulations and maintaining building compliance.

Understanding the Building Safety Act 2023

The introduction of the Building Safety Act 2023 followed a series of safety concerns raised after the Grenfell Tower fire in 2017. The fire tragically claimed 72 lives and exposed serious shortcomings in building safety regulations and their enforcement. One of the major issues was the failure to properly account for fire risks in high-rise buildings, particularly related to external cladding and other structural factors. As a result, the government launched the Grenfell Tower Inquiry, leading to a broad overhaul of building safety measures.

The Building Safety Act 2023 builds on recommendations from the inquiry, establishing new requirements for buildings over 18 meters or those with multiple stories. Accurate building height surveys are a fundamental part of this process, ensuring that safety measures such as fire evacuation plans, risk assessments, and cladding safety reviews are accurately based on the building’s dimensions.

RMA Surveyors’ Role in Ensuring Safety Compliance

RMA Surveyors have been at the forefront of assisting property managers, owners, and developers in meeting the new standards. Our team of surveyors is experienced in conducting height surveys with the precision and detail required by the Building Safety Act. We are proud to have worked with many prominent property management companies across London and the South East to provide trusted, certified building measurements.

With the growing complexity of compliance requirements, it is crucial to have measurements conducted by professionals who are fully accredited by The Royal Institution of Chartered Surveyors (RICS). Our work helps ensure that property owners have the accurate information they need to implement critical safety measures effectively.

Looking Forward: Building Safety for a Safer Future

As the Building Safety Act continues to reshape the property landscape, the role of height measurement surveys becomes ever more essential. Whether you are managing a residential tower or a multi-story office building, partnering with RMA Surveyors ensures that you are fully compliant with the latest safety regulations, protecting both the building’s occupants and your investment.

If you are a property owner or manager seeking a reliable partner to handle your building height surveys, contact RMA Surveyors today for expert assistance from trusted RICS professionals.


Further Reading:

  • Building Safety Act 2023 – An overview of the Building Safety Act and its implications for property owners and managers.
  • Grenfell Tower Inquiry – The official Grenfell Tower Inquiry website, detailing findings and recommendations related to building safety.
  • RICS Building Safety – Information from the Royal Institution of Chartered Surveyors on the Building Safety Act and professional standards in building surveying.

Successful Insurance Reinstatement Project in Oxfordshire

Masonry repairs to exterior of building in Oxfordshire.

At RMA Surveyors, we recently completed a significant insurance reinstatement project in Oxfordshire, where we acted as contract administrators for a client dealing with damage caused by ground movement. The external walls of the property were compromised due to shrinkable clay subsoil and nearby trees, which led to ground-related movement—a common issue in parts of Oxfordshire and Berkshire.

Our client faced a protracted discussion with insurance loss adjusters who initially sought to minimize the claim. However, at RMA Surveyors, we pride ourselves on delivering logical and pragmatic solutions to challenging problems. In this case, our team provided a robust technical response, supporting the client every step of the way.

Instead of opting for a more disruptive underpinning approach, we proposed and executed a reinforcement solution. This method involved installing wall reinforcements to stabilize the structure without resorting to significant foundation work. Our comprehensive specification, built from our extensive experience in similar projects, provided a cost-effective and practical solution to the identified structural issues.

Masonry and render repairs underway to residential property near Didcot.

We liaised with insurance loss adjusters, presenting technical justifications and robust evidence to ensure that the rightful claim was fully supported. After extensive negotiations, the project was approved, and we oversaw the completion of the work using a high-quality local contractor. The project was completed on time, and the client was left with a fully reinstated property, ready to face the future with increased resilience.

This project highlights the importance of having knowledgeable and experienced contract administrators like RMA Surveyors to oversee insurance reinstatement works. Our ability to provide expert support through negotiations with insurers, alongside our technical expertise, ensures that our clients receive the full benefit of their insurance policies and the best possible outcome for their properties.

Wall repairs to a bungalow in Oxfordshire overseen by RMA Surveyors.

Based near Didcot, we cover a wide area including Oxford, the broader Oxfordshire region, Berkshire, and into London. Our team of surveyors is equipped to handle a variety of complex building projects, ensuring that our clients receive high-quality service no matter where they are located.

If you’re facing a similar situation or need contract administration for your insurance reinstatement property project, don’t hesitate to contact RMA Surveyors. Our expertise and pragmatic approach ensure that your project will be handled professionally and efficiently, from start to finish.

Why Employing a Qualified Building Surveyor is Essential for Specific Defects Reports and Expert Witness Reports

Spray foam insulation installed to the underside of a pitched roof.

When property issues arise, such as defects or disputes over workmanship, employing a qualified building surveyor to undertake a specific defects report or an expert witness report can be a game-changer. Not only does it bring credibility and authority to a client’s case, but it can also prevent costly delays and disputes, saving both time and money.

At RMA Surveyors, we have seen first-hand the benefits that a professionally prepared report can bring to our clients. Our recent instructions to assess defective workmanship in a domestic extension and investigate a leaking conservatory roof demonstrate how expert insight can quickly resolve disputes in favour of our clients, often without the need for prolonged legal battles.

The Importance of Professional Expertise

Qualified Chartered Building Surveyors are governed by the Royal Institution of Chartered Surveyors (RICS), the leading body in the property and construction industry. This governing authority ensures that surveyors follow strict protocols, including established standards and ethical guidelines. A building surveyor’s report carries significant weight in legal and property-related matters because of their training, experience, and adherence to RICS protocols.

A report prepared by a RICS-qualified surveyor cannot be easily dismissed. To challenge it, an opposing party would need to present an equally qualified or more experienced surveyor, whose report would need to be of a comparable or higher standard. This high threshold makes it less likely that unqualified or inexperienced individuals can successfully dispute a professional report, significantly strengthening the client’s case.

How Expert Reports Prevent Arguments and Save Time

A defective lead flat roof.

In property disputes, a lack of clarity can often lead to drawn-out arguments, escalating costs, and wasted time. A well-prepared specific defects report can cut through the confusion and provide a clear, authoritative assessment of the issues at hand. Whether it’s defective workmanship, material failures, or general construction defects, the detailed analysis presented by a chartered surveyor can often prevent disagreements from spiralling into protracted legal battles.

A professional surveyor’s report will outline the problem, the potential cause, and the remedial actions required, offering a pathway towards resolution. In many cases, this report will lead to a swift settlement, as the detailed evidence provided makes it difficult for the other party to continue to dispute the claim without substantial evidence of their own.

For example, RMA Surveyors was recently instructed to investigate a leaking conservatory roof for a client facing ongoing water ingress issues. After a thorough inspection, we provided a comprehensive report that identified the defects in the roofing materials and the workmanship involved in the original construction. Armed with our report, the client was able to swiftly reach a settlement with the contractor, who could not dispute the clear evidence provided by an RICS-accredited professional.

In another recent instruction, we were asked to assess defective workmanship in a domestic extension, where issues such as poor brickwork and inadequate waterproofing were causing significant problems for the homeowner. Our report highlighted the specific failings in both the design and construction processes, giving the client a robust foundation to negotiate a settlement. The contractor in this case quickly agreed to rectification works, avoiding a potentially lengthy and costly court case.

Why Choose RMA Surveyors?

An aeriel view of a flat roof

RMA Surveyors is a team of fully qualified Chartered Building Surveyors with extensive experience in both specific defects reports and expert witness services. We are proud to provide clients with the highest standard of service, underpinned by our strict adherence to RICS standards.

Our expert reports bring the authority needed to support your case, whether it’s for a construction defect, poor workmanship, or any property-related dispute. Employing a professional surveyor not only gives you peace of mind but also places you in the best possible position to resolve your issues quickly and cost-effectively.

When disputes do arise, the professional standing of a chartered surveyor’s report can prevent unnecessary arguments, keeping the focus on solving the problem at hand rather than getting bogged down in drawn-out legal conflicts.

Key Benefits of a Chartered Building Surveyor’s Report:

  • Credibility and Authority: A professionally prepared report carries significant weight in any legal or dispute resolution process, making it harder for others to contest.
  • Adherence to RICS Protocols: Surveyors must comply with RICS protocols, ensuring accuracy, reliability, and professionalism.
  • Prevents Arguments: A well-prepared defects or expert witness report can clarify issues, preventing disagreements from escalating into legal disputes.
  • Saves Time and Money: By offering a clear, professional opinion, disputes can often be resolved more quickly, avoiding lengthy and costly court proceedings.
  • Legal and Industry Respect: In most cases, the only way to rebut a surveyor’s report is through a similar report from an equally or more qualified professional, setting a high bar for any opposition.

Conclusion

Instructing a qualified Chartered Building Surveyor to undertake a specific defects report or expert witness report is an investment in both the short and long-term outcomes of any property-related dispute. Not only does it lend weight and credibility to your case, but it also helps prevent arguments, save time, and significantly reduce the potential for costly legal proceedings. At RMA Surveyors, we are committed to providing our clients with the highest standards of professional service, helping you achieve swift and fair resolutions to your property issues.

To discuss how we can assist with your property-related needs, contact RMA Surveyors today. Let our professional expertise work to your advantage.

Successful Party Wall Surveyor Instruction in Stoke Newington

The rear elevation of terraced houses in London focusing on the party wall line.

At RMA Surveyors, we pride ourselves on offering professional, reliable, and expert Party Wall surveying services throughout London and the South East. One of our recent projects in Stoke Newington, London, highlights our commitment to ensuring smooth construction works while safeguarding the interests of all parties involved.

The instruction came from a property owner planning extensive refurbishments to their terraced building in Stoke Newington. The proposed works included the complete removal of internal walls and floors, installation of a new basement level, and the creation of a room in the roof. Given the significant structural changes, it was essential to adhere to the Party Wall etc. Act 1996 to protect both the building owner and the adjoining owners on either side.

Party Wall Matters: A Complex Instruction

The rear elevation of terraced houses in London focusing on the party wall line, with some new construction in the foreground.

Due to the nature and scale of the refurbishments, which involved significant structural alterations and excavations, the adjoining owners were understandably concerned about potential risks. One adjoining owner’s surveyor, in particular, raised concerns regarding the possibility of damage to their property. They insisted on a security for expenses, citing the potential risks to their property posed by the extensive works.

Security for expenses is a provision under the Party Wall Act, enabling an adjoining owner to request that funds are set aside to cover potential repair costs if any damage occurs as a result of the construction works. RMA Surveyors, acting on behalf of the building owner, approached these concerns with professionalism and diligence. Our primary objective was to safeguard our appointing owner’s project while ensuring the rightful concerns of the adjoining owners were addressed to avoid disputes.

Negotiating the Party Wall Awards

At RMA Surveyors, we understand that clear communication is key when it comes to Party Wall matters. Our team worked closely with the surveyors acting for the adjoining owners and the parties themselves. Through careful negotiation and expert advice, we were able to agree on fair and reasonable terms for the Party Wall awards.

The security for expenses requested by the adjoining owner’s surveyor was negotiated and set in place. This provided reassurance to the adjoining owners that any risks were being properly mitigated. At the same time, we ensured that the terms of the award did not impose unnecessary delays or costs to our client’s project.

Schedules of Condition and Monitoring

As part of our role, RMA Surveyors also undertook comprehensive Schedules of Condition for the adjoining properties. This is an essential step in any Party Wall project, providing a clear record of the state of the adjoining buildings before the commencement of works. Should any issues arise, this document provides crucial evidence of any pre-existing conditions versus potential new damage caused by the works.

We also maintained ongoing communication with all parties throughout the project to ensure that the works complied with the terms of the Party Wall award and that any concerns were swiftly addressed.

A Successful Outcome

The front elevation of terraced houses in London focusing on the party wall line.

The extensive refurbishment, including the basement excavation and roof extension, was completed successfully, in accordance with the Party Wall awards, without any damage occurring to the adjoining properties. The project demonstrated the importance of early and effective engagement with Party Wall surveyors when planning major construction works, particularly in densely populated areas like Stoke Newington.

At RMA Surveyors, we are proud to have facilitated the smooth progress of this project, ensuring that all parties involved were protected and that the works were completed without incident.

Expert Party Wall Services Across London and the South East

RMA Surveyors offers specialist Party Wall surveying services across London and the South East. Whether you’re a building owner planning major works or an adjoining owner concerned about potential impacts on your property, our experienced team is on hand to guide you through the Party Wall process and ensure a fair and balanced outcome for all parties.

If you’re planning a project or need expert Party Wall advice, don’t hesitate to contact RMA Surveyors today. We’re here to help.

RMA Surveyors Ltd head for new horizons

Sunrise at Stonehenge

RMA Surveyors Ltd are pleased to announce that, with immediate effect, they will no longer be provided residential building surveys and RICS Homebuyer reports. Richard Mountain, Director, said:

“Our focus in recent months has moved away from the residential pre-purchase sector to focus more on our core expertise of dilapidations surveyor services, party wall surveyor services, project management and contract administration.”

“We have recently found our resources better devoted to our key sectors. Insurance reinstatement projects have really advanced, increasing capacity in this area has drawn our focus onto where our key strengths lie. The market potential is generally positive away from the residential market.”

Richard added, “The key focus for RMA is to streamline their services, ensuring strong potential in a more specialised market. “

Does the Party Wall etc. Act 1996 affect me?

If you’re unsure if the Party Wall etc. Act 1996 affects you, here’s some advice from the Faculty of Party Wall Surveyors.

DO YOU INTEND TO CARRY OUT WORK WHICH INVOLVES:

Work on an existing wall, ceiling or floor structure shared with another property?

● Building on or at the boundary with another property?

● Excavating near a neighbouring building or structure?

If so you must find out whether the work falls within the scope of the Act. If it does you must serve the statutory notice on all those defined in the Act as ‘adjoining owners’.

Determining if a particular building project is within the scope of the Party Wall etc. Act 1996 is often more complex than simply checking the general criteria stated above. Failure to correctly identify the status of your project could result in the building works being unlawful. If you are in any doubt you should always seek professional advice.

RMA Surveyors are experienced and professional Party Wall Surveyors. We act on behalf of building owners and adjoining owners, as well as agreed surveyors for both parties.

If you’re in need of a Party Wall Surveyor, contact us on 01635 579 208. We are members of Royal Institute of Chartered Surveyors (RICS).

RMA Surveyors – Party Wall Surveyors

Experienced Party Wall SurveyorsRMA Surveyors in Newbury, Berkshire are experienced Party Wall Surveyors. Providing professional advice on what can seem a daunting and complicated matter.

We offer party wall surveying and advice in compliance with The Party Wall Act 1996.

We act on behalf of building owners and adjoining owners, as well as agreed surveyors for both parties.

If you’re in need of a Party Wall Surveyor, get in touch on 01635 579 208.

For further information on the Party Wall etc. Act 1996, take a look at the RICS Consumer Guide: Party Walls.

Party Wall Process

The Party Wall ProcessThe Party Wall etc. Act 1996 is designed to avoid and minimise disputes. It makes sure property owners notify adjoining owners in advance of proposed works. However, the Party Wall process can seem daunting and/or complicated. To ensure peace of mind that you are following the correct procedure when it comes to your building work, contact RMA Surveyors, Newbury Berkshire to help guide you through the Party Wall process.

RMA Surveyors provide expert advice on the Party Wall process, as one client recently gave testimonial to:

We appointed Richard Mountain of RMA Surveyors to act on our behalf, as our neighbours had commenced work excavating right next to our house, without serving a party wall agreement.  Richard’s knowledge and expertise helped resolve the issue and allowed our neighbours build to continue whilst protecting our property, which was our biggest concern.  Unfortunately our neighbours chose to ignore the first award and we had to engage Richard again to go through another award.  He worked extremely well to support us and offered a voice of reason to ourselves, our neighbours and the barrister we had to engage.

Richard gave us the confidence that we needed throughout the entire process.  His is extremely thorough and practical, his communication was very proactive and he dealt with sensitive issues in a professional and timely manner, often coming out at short notice. I would fully recommend Richard for any party wall agreement.” (February 2018)

RMA Surveyors provide Party Wall surveying and advice in compliance with The Party Wall etc. Act 1996.  We act on behalf of building owners and adjoining owners, as well as agreed surveyors for both parties. 

Contact RMA Surveyors to discuss your needs on 01635 579208 or email enquiries@rmasurveyors.co.uk.

Section 5 of the Party Wall etc. Act 1996

Section 5 of the Party Wall etc. Act 1996Section 5 of the Party Wall etc. Act 1996 deals with the disputes that arise under Section 3 and Section 4 of the Party Wall Act.

As already established in Section 3 and Section 4 of the Party Wall Act, Section 5 deals with disputes that arise when a party structure notice or a counter notice has been served.

Section 5 of the Party Wall etc. Act begins by setting out a time frame period by which an owner who is in receipt of a served notice must respond. This period is 14 days, and if the owner does not consent within this period, then a dispute is deemed to have arisen.

This section is an extremely small section of the Act and it simply consists of a single sentence. Although it does not state it within Section 5 of the Party Wall etc. Act, if a dispute is deemed to have arisen during or after that 14-day period then the dispute would be dealt with under Section 10 of the Party Wall Act.

A time period is necessary to allow a building owner to proceed with the party wall process, rather than be scuppered at the first hurdle, where an adjoining owner may decide to ignore the notice.

Despite the 14-day period, even if a decent is deemed to have arisen, owners can still agree at any time during the party wall process to consent to the works. If written consent is given, then there is no need to continue to pursue a dispute process.

If you require Party Wall advice, then contact us 01635 579208. We are members of the Royal Institute of Chartered Surveyors, RMA Surveyors Ltd provides professional, independent advice.