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.

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.

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.

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.

Green Deal – Planning Laws Relaxed

External insulationThe Government’s Green Deal‘s cashback initiative has been launched this week. There is no cap on what householders can claim.

The Department of Energy and Climate Change (DECC) has made available £125 million funding for the scheme.

To qualify for the cashback initiative, homeowners need to have a Green Deal property assessment undertaken on their property. However, this assessment is not always free, as many assessment companies are charging consumers for this service. The assessment is designed to inform homeowners what measures will make the best improvements to their property’s thermal performance. Improvements may include cavity or solid wall insulation, replacement boilers and loft insulation.

The cashback initiative follows an announcement by Climate change minister Greg Barker last week that planning laws have been relaxed to make it easier for external solid wall insulation to be installed. The classification of solid wall insulation for planning purposes is set to change for property owners across the country, with this type of project now seen as a “permitted development” – meaning property owners will no longer require specific planning consent to carry such an improvement.

The climate change minister stated: “There used to be a time that if you applied external solid wall insulation you would make the house look like something out of Erich Honecker’s East Germany. But actually lots of the solid wall insulation products now enhance the look and feel of a home.”

Greg Barker stated the Department for Communities and Local Government had “relaxed” planning laws so that the insulation measures are categorized as home improvements, rather than enlargement or extension, meaning the solid wall insulation will not require planning permission for most homes. Listed Buildings and properties in Conservation areas will still require permission.

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.

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

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

Condensation

Condensation on a windowThe RMA Surveyors Ltd guide to condensation within buildings.

One of the most widely misinterpreted and misunderstood building defects is condensation. It can often be confused with service leaks and external water penetration. The key to understanding how and why condensation occurs is surface temperature.

Condensation occurs because water vapour in the air can no longer be held by the air. The water vapour condenses and becomes liquid water.

The warmer the air, the more water vapour it can carry. When warm air comes into contact with a cold surface, air temperature is reduced and the volume of water vapour must also be reduced.

When condensation occurs it will manifest on surfaces colder than the surrounding air temperature. We are all familiar with condensation on windows. In most circumstances windows are usually the coldest surface on an external wall. When condensation occurs on other surfaces in a room it is usually a good indication that that surface is colder than other surrounding surfaces that are unaffected.

Mould and mildew associated with condensation is not always going to appear. The mould occurs only because the conditions for it to exist are present, namely a food source and moisture source. Moisture is provided courtesy of the condensation process. Food can be any organic material, including cellulose in emulsion paints and oil on fingers transferring to a wall or ceiling surface.

Often people attempt to clear away mould with a cloth end up with worse mould staining as organic material from the cloth creates a further food source for the mould to establish. There are a multitude of mould and mildew removal products on the market. In cases of condensation it is better to resolve the cause rather than just treat the symptoms.

Surface temperature alone is an oversimplification of the problem. The warmer the air the greater the capacity of water vapour. However, the quantity of water in the air is not always at full capacity all of the time. If that were the case almost every window would have condensation. Therefore the volume of moisture in the air, or relative humidity, is critical to each situation where condensation may arise. Understanding the relationship between the air’s relative humidity and the temperature at which air can no longer carry that volume of water vapour (otherwise known as the dew point), is critical to determining how to resolve a condensation problem.

To deal with condensation a number of options are available. All of the options simply require a difference in the parameters that allow condensation to occur.

Firstly, you can increase the surface temperature above the dew point. This could mean increasing insulation levels, providing secondary glazing or double glazing or providing a source of heat such as trace heating, like that on our car heated rear windows.

Increasing room temperatures also allows the air to carry a greater volume of water vapour, which, providing the relative humidity does not also increase, can alter the dew point and prevent condensation forming. This can be a rather arbitrary approach and is unlikely to be economical in terms of heating bills.

Altering insulation levels of external walls and roof structures can create condensation problems. There are many examples where blocks of flats and houses have had cavity wall insulation fitted and condensation problems have begun to manifest elsewhere. Localised spotting condensation can also occur in such cases. Where insulation has been unevenly distributed and the resulting gaps in insulation cause differential surface temperatures internally. Interstitial condensation can also occur. This happens when the dew point occurs within the wall or ceiling structure. Interstitial condensation can be a real problem as it can saturate the internal structure of a building elemnet for a long period before a defect begins to manifest itself. This is a particular problem in timber framed housing, when the internal vapour barrier within the wall structure has been damaged or poorly installed.

Secondly, you can reduce the amount of humidity in the air. This means isolating water sources. This is easier said than done. The fact that a property is inhabited by eating, breathing mammals who evaporate, perspire and respire their way throughout the day makes it difficult to reduce the amount of water vapour in a property. People tend to want to eat, boil kettles, wash and dry clothes, stay clean, use the toilet, keep pets and generally undertake activities that require the use of water, a proportion of which ends up as vapour carried within the air.

Reducing our use of water may not always be practical. Managing the way we use water can be. For example opening trickle vents on windows or keeping high humidity environments such as bathrooms and kitchens well ventilated with regular air changes from external air will help reduce relative humidity. Keeping toilet seat lids in the closed position will also contribute to reducing humidity.

Thirdly, good ventilation is also key to reducing the liklihood of condensation occurring. Where air is kept moving there is less likelihood of water vapour within the air condensing on cold surfaces. This is why opening a window, even only partially, can radically reduce instances of condensation as the water is yurned back to vapour and is carried off by unsaturated air.

Leaving condensation to establish long term can cause a multitude of problems both to the building and the individual. Mould spores can not only look unsightly but can affect human health. Associated respiratory illness is well documented with mildew moulds.

Condensation in buildings can result in longer term damp problems allowing dry and wet rots to develop and damage timber elements. As well as this surface decorations can be damaged and goods and furnishings can also be affected. Often clothing and stored goods in humid properties can be ruined, as condensation forms in wardrobes and moulds establish. Very humid properties are particularly prone as humid high pressure air forces its way into less humid cooler areas. Often such losses are not covered by standard insurance policies.

If you want to read more about condensation the RICS have produced this guidance note. Further information is also provided by the ISVA which is available here.

If you have a condensation problem and would like some further investigation and advice from RMA Surveyors Ltd please contact us and we will be happy to assist.