Archive for the ‘General Updates’ Category

PROinspect leader Stuart Parrett is defining a series of business systems, seminars and self-help aids that would be a godsend for aspiring residential market Chartered Surveyors and Home Inspectors wanting to create their own business.

Do you aspire to your own home based or small business venture? What is stopping you? Need help?

01 – What if ………….

I believe all of this is attainable.

I believe this is the way any sensible professional should work.

I believe professionals have been downgraded and down-valued by corporate big businesses.

I believe another way exists.

I believe, with our help, YOU could turn your whole life around so you earn more and live more.

02 – How BIG is the potential residential marketplace?

03 – Where might YOU fit in?

05 – What help can we provide for YOU to make that break?

06 – What is around the next corner?

What will happen to House Values?

What price professional integrity?

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These are the ramblings of a Chartered Surveyor Housing Expert in south Hampshire, England. They are published as we enter the run in to our General Election 2010.

Let me propose a few facts and then begin to think about how they may interact as we sail through this election and the current recessionary period.

1. The established Planning/PUSH estimate is the need for 80,000 new homes in south Hampshire by 2026.
2. The national and southern divorce rate is high, and increasing.
3. Repossessions remain a current property and social problem.
4. Despite several false dawns, property values are not booming or buoyant.
5. The majority of home buyers still DO NOT take any form of independent home condition or valuation advice.
6. The majority of Estate Agents and Buyers-in-general still pay lip service to Home Information Packs.
7. SAVA/Hometrack are introducing “Probable Value Range” opinions within Home Condition Surveys that can be generated by the newly created Home Inspectors for Home Information Pack purposes.
8. To stimulate savings the Bank of England must increase rates of interest, perhaps sooner than many wish or expect.
9. National and local housing starts are falling as we speak and I expect that rate of building to fall even further as disposable incomes fail to rise in the next couple of years.
10. Lenders continue to offer loans on terms unacceptable to most first time buyers (and others) – who has a 20% to 25% deposit nowadays?

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I have always found that as a cyclical market trough finds its way to us, for even a fully blown recession, the Economists and Housing Experts all say they did not see it coming but expect readers to believe them when they begin to predict what is to come. Well, I say NONSENSE.

Media hypes up published market data and paints a headline along the lines of “House Prices UP for the fourth month in a row” etc…. What they do not appreciate are underlying trends, imperfect consumer knowledge and uneducated actions plus the degree of conflict of interests within the loans/legal/valuation/survey markets. There is even great uncertainty within the Royal Institution of Chartered Surveyors (RICS) who, along with the Council of Mortgage Lenders (CML) are issuing revised protocols and Practice Statements on how to value New Homes.

• Loan Valuers have been told that they must factor out of the deal any sales incentives: this means that most valuations are now falling short of the stated asking prices.
• Loan Valuers are being told that the security of a New Home is its second hand value and that therefore they should ignore any potential “new build premium”. Again this kills any chance of a Valuation being near to the agreed price.
• Loan Valuers often break professional standards and protocol but not inspecting homes to the required standard when a survey has NOT been requested: a cursory viewing but mandatory damp test plus “head and shoulders” loft inspections are ignored. I have personally been told this by many sellers when I have visited for buyer, private survey purposes.

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Moving on – A Chiswick home owner recently contacted me saying that several Estate Agents had stated her home was worth £875,000 over a year ago and that after full refurbishment she would get about £900,000 (in a falling market). She recently got her Mortgage Company to Value her home, the same gentleman who valued it at £875,000 last year, and the valuation was set at £650,000 (over 30% lower than last year). Now, it is possible local values have fallen by this margin but a cursory glance at general values in the district seems to not support such a proposition. Indeed, it seems the Valuer has simply been told to be cautious. This case has the hallmarks of professional negligence and/or conflicts of interest written all over it. This goes a long way to further harm the marketplace and to put back any fragile recovery that may exist “out there”.

Conversely, looking at the market from the stance of a buyer – why don’t buyers take truly independent advice?

The HIP can and and should be a valuable resource for information that can and will help buyers if they choose to look – it is my experience they do not even ask to look at HIPs.

To a Surveyor and independent Valuer the HIP is one of the first things I refer to – position of water and drainage lines – warranty and guarantee documents – planning history with dates – legal issues – a plan to see if boundary disputes may be current – the list goes on………

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Moving on further – South Hampshire is scheduled for a 7% increase in population up to 2026 but it is scheduled to have an 18% increase in housing. Certain areas will have a disproportionate burden to swallow on their doorsteps in that new housing can be expected to lower values in the post-recession marketplace by increasing housing supply. Conversely a high divorce rate will increase the demand for, say, two bedroom homes (and perhaps Flats). These factors, plus any interest rate rises, may create a very complex market in the post-recession marketplace and it is at this time that the near defunct Home Inspectors (trained to complete low grade home surveys to go into HIPs – a product that was removed from the HIP on political grounds) are being encouraged to produce reports that attempt to predict what a home “might be worth” by looking at historic statistics.

I find this very strange indeed. At a time when the function and services of an expert professional Valuer are, or shortly will be, at an all time high, the powers that be are allowing a novice form of Valuer to float onto the market a predictive value report product.

Words fail me….suffice to say that buyers are encouraged to break with established methods, staid thinking, and to commission the services of their local Chartered Surveyor Valuer – somebody who knows the local markets and can be sued if they get it wrong. Why would anyone wish to gambol in the current market conditions? Not taking basic precautionary professional advice will adversely affect your wealth. If you have learnt nothing from this recession – learn this, nobody will help you, you have to help yourself and this starts with your choice of adviser – go independent every time.

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My advice to L.R. in Chiswick? Start proceedings for Valuer negligence.

My advice to the political parties during this election? As I have seen nothing in any political manifesto to change any of what I have discussed above, I suggest you all return to HQ and rethink four subjects – (1) the meaning and definition of connected person within any property transaction, (2) how to get tough with errant Estate Agents on HIPs, (3) the need for housing projects to remains on schedule to create jobs, to create affordable housing in all UK districts and (4) to re-introduce Condition Reports within HIPs, as has been successfully introduced in Scotland (but with a change – to be completed by both Home Inspectors on modern units but experienced Chartered Surveyors if the home is over, say 30 years old).

The obvious first:-

• Sell it for well below market value. There you are, done, sold, disposed of, out of the way, gone.
• Instruct an Estate Agent, Broker, place it on the internet, etc….
• Stick a For Sale board up outside.

However, if like the rest of us, you want to get a realistic price for your home and are prepared to get the maximum “net realisation price (*nrp)” then read further. * This is the highest amount of money in your pocket after all expenses and costs have been paid.

It costs good money to sell your home whether privately or not. If you don’t employ a traditional Agent you still have the cost of your legal team and the usual expenses and disbursements.

The real measure of effectiveness for selling your home can be related to just a few factors:-

1. Can I sell it within a given time frame?
2. Can I get the highest net realisation price?
3. Can I sell it with the minimum hassle to me?
4. Can I sell it without breaking the law, any regulations and without being fined?

If the answer to the above factors are all “yes” then whatever method you have described should get your vote: go for it. But…….

Many “Agents” (in the global sense of the word, not just Estate Agents) will tell you their method guarantees you the best price for the least cost etc…. Who can you believe?

At the end of the day, take advice from a traditional Estate Agent (or several) but also get advice from other sources. After this process you can analysis the results and then make a reasoned decision on how you wish to proceed. Don’t be afraid to ask questions and never sign anything.

I am not going to say which is best because beauty is in the eye of the beholder and I don’t know your personal circumstances. If speed is everything then sell to a Dealer/Agent at no cost to yourself (but you will not get the best price).

What I can say is this – if you can sell by a method that allows potential buyers to view your home first, then you need to get busy because you need to get your home fit-for-selling.

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Make sure your home is advertised

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This starts with erecting a board outside your home.

This starts with telling your neighbours and everybody else that your home is a bargain and you wish to move it quickly.

Consider a Garage-Sale to get footfalls across your front door.

Listen to your Agents advise about when they should advertise it, and why.

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Knock off the rough edges of your Home

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You know this one: you have heard it time and again.

Clean the house. De-clutter it. Get flowers or coffee smells circulating around your home. Park your cars down the road so visitors have easy parking. Restrain your pets (and children?). Make sure no mould or condensation can be seen. Clean the bathroom and kitchen in particular and consider cleaning all floor coverings.

If you had enough lead-in-time, redecorate the worst rooms and make sure you have no bold colours. Clean out the gutters and drains. Get the garden looking nice and tidy. Clean all windows.
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Invite offers above a specified Guide Price
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This is not simple advice. Listen to what your Agents advice and take that advice. In a general sense, in a slow market, attracting potential purchasers is vital in order the encourage offers. To do this you need to get people across the threshold. To do this can mean keeping the price realistic – in which case an argument exists for stating “offers in excess of £XXX,000” or “Guide Price £XXX,000”. Don’t forget, you don’t have to accept any offers at all.
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Fixtures and fittings
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Where you will offer your home at a Guide Price (see above) PROinspect also advise you make use of your Fixtures and Fittings. Make a list (as instructed by your Solicitors) but consider making all non-essential-items “subject to negotations” – in other words, depending on the offer you will give then away or make the buy pay for them. If you need to get a buyer to agree to an unusual completion date perhaps giving away your Fixtures and Fittings is a small price to pay – you decide.

Thinking of Selling? I invite you to contact me (use the CONTACT FORM above) if you live in southern England as I could help you choose an Agent, value your home, point you in the right direction. Stuart Parrett +44 (0)1489 896 174.

Simple question – how many different roof types are there?

Pitched roofs

Flat roofs.

Garden roofs.

Green roofs.

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I refer to the outer roof covering only.

We all know about natural slates, concrete tiles, flat felt clad roofing (mineral felt), lead roofing and even glass roofing. But can you prepare a definitive list? Are you up for a challenge? How many could you list.

I would suggest you define your listing into PITCHED, FLAT and OTHER for the sake of simplicity. No more than five word definitions per single roof enter please.

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Good luck.

Stuart Parrett CEO PROinspect Consultancy England, UK.

When it comes to selling your home privately you stand to gain a lot of money by way of saved costs. But, just how easy is it?

A sell (selling by “private treaty”) is, on the one hand, perfectly feasible if:-

1. you simply sell to a relative or to your neighbour without any advertising or marketing. Your have not “marketed your home” and the Law and how House selling regulations are interpreted says this is a private transaction. It could easily be considered a “marketed sale” if you depart from strict guidelines – do you know all the in’s and out’s of such Regulations?
   
2. If it is a genuine private sell without marketing then you would not need a Home Information Pack (the HIP with Energy Performance Certificate – the EPC).
3. and you avoid all the hassle of advertising and have people trample through your private space – your home – your pride and joy.
4. You also avoid Estate Agents with sharp suits and smooth tongues. What price for this?
   

On the other hand:-

1. Are you sure you are not under-selling your home?
2. Have you considered the possible benefit to value if you first did certain repairs? Are you sure you know who to ask for this advice? Spend £500 on XXXX and you might ask for twice as much as added to the house value!
3. Do you know how to vet your buyers to ensure they are serious and aren’t going to cause problems “later”.
4. Are you sure you have infringed the law and property regulations and may get a Penalty Notice served on you at any moment?

Balancing these competing forces will tell you which way to go but do think seriously about it.

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Selling your house privately? What are you saving?

Save 1.5% commission = £1,500 plus vat (per £100,000 of house value)

Save your HIP cost = £400 with partial vat

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The only problem you have is the unknown…….

If you are truly knowledgeable then you are saving real money and the consequences, if all goes wrong, will be minor.

If you are not fully knowledgeable and may need help if the going gets tough then you may just regret attempting to penny-pinch.

Perhaps getting the Estate Agents in to give “initial free advice” (without telling you may go private) is not such a bad thing?

Perhaps getting PROinspect in to talk about value and disrepairs, and the effect of doing repairs – effect on value – also isn’t so silly?

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A third Way?

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Nowadays nothing is new. Starting to string up are PROPERTY BROKERS: often these are internet based, but not always.

Website services exists for simply listing your home are available for sales – this means you will need the good old HIP but the fee for this limited brokerage service will be much smaller than a full Estate Agents commission.

Certain Brokers mix internet service with limited marketing and other actions. Again these will save you a large sum.

The secret here is to correctly match what your home needs to dispose of it to those services that are available to you. Why not invite a fee quotation from a (1) traditional Estate Agent, a (2) “partial” Agent/Broker and (3) a full internet Broker service whereby no visits to your home are made at all (sometimes with the exception of a professional Photographer)? You could then assess the value that each brings to the table and match that with what you believe your home needs to get it sold.

For example – if your home is modern and on a large estate (is similar to most other homes and many have sold recently or are on the market) then provided it is in reasonable order then you may not need the full services offered by a traditional Estate Agent.

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A final two thoughts – (1) what about home swaps? Google house-swaps and see. PROinspect would immediately mention that if you go down this route then a private survey would be essential for self-protection purposes: (2) what about selling quickly to an Investor? Various organisations will buy your home “upon request” where an offer can be provided without a full viewing: the latter may be required as you are seeking to avoid an imminent repossession or you simply need the equity in your home quickly – no fees but perhaps you will not get full market value (in some cases nothing even ner to full value). Google sites like National Home Buyers to see how such schemes may work for you.

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A Footnote — I have recently been involved with Estate Agents in the disposal of my Parents home closeby. A long chain developed but we priced the house to sell and found a home to buy quickly. When chain problems cut in, and they often do, our own Agent acted with great authority and rapidity and circumvented several problems before they got out of hand. I have been very impressed with the professionalism shown (and suspect some Agents would not have been so helpful). We have not yet exchanged but are confident we will.

I must state that my Parents just could not cope with self-selling their own home and needed full Agency services: even though I could sell my own home I would normally request full Agency services because I am a busy person and just could not find the time to do all that a modern Agent has to. This is not a choice but a necessity.

Before you call Countrywide Surveyors, Ekins Surveyors, Allied Surveyors or Local Surveyors Direct you might want to think about several matters first:

1. Can you actually talk to a Surveyor, the one that will do your survey? You need to gauge if they are sensible and businesslike and you will probably have certain concerns you need to communicate to the Surveyor.
2. Have they asked the all-important-essential-questions BEFORE they assessed what you actually need?
3. Is the Surveyor not only qualified and insured but also fully knowledgeable in the geographic district of the house you are buying?
4. This is the clincher – does the Surveyor complete at least twice as many surveys as simple loan valuations alone? This will tell you if he/she is a jack-of-all-trades or a specialist Surveyor, as opposed to a Valuer who happens to do a few surveys.
5. If they simply asked you for the value of the home, or how many bedrooms there are, then you know they are going to standardise whatever they do for you and not personalising their service to your needs.

If all the above are satisfactory to you, and the fee quote is reasonable then you are in business: if not, call PROinspect immediately

Stuart Parrett FRICS, MAE, dipHI

INTERNATIONAL UPDATE SPOTLIGHT (via RICS website):-

• +16% Qatar’s predicted jump in GDP in 2010.
• -13% predicted fall in US construction spend on hotels, offices and retail centres in 2010.
• India has banned all new projects in 43 industry hubs because of critical pollution.
• Abt £43billion worth of hotels are underway in the Gulf.
• China built fewer homes in 2009 than in any of the previous 38 years.

UK UPDATE:-

• Construction workloads fell in all sectors in Q4 2009.
• Michel Roux Jr is opening soon at RICS HQ in Parliament Square.
• More doom and gloom.

PROinspect PROPERTY UPDATE:-

• Our clients remain well informed with clear condition and risk analysis from us.
• Our clients buy with confidence and can smile in the face of market gloom.
• No change from last year then!
• Our new and improved website (thank you Mindsheet in Langstone, Hampshire, UK) has been and is an outstanding success.
• February was our best month since the Practice started. We wish to thank our clients and all those new contacts working with us via BNI and other sources.

CAN YOU HELP US?

• We need Domestic Property heating engineers willing to test boilers and report on house heating systems quickly so potential purchasers can enter price negotiations without delay. We need names and addresses, insurance details etc… of Companies who you know be excellent and can personally recommend.
• Ditto Flat Roofer companies.
• Estate Agents willing to join BNI networking in the Hampshire Meon Valley district, preferrably Bishops Waltham based – this is a real opportunity for the right applicant but we cannot find the right partner prepared to make a networking commitment.

RICS Website report extracts taken in January 2010

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Well done Scotland!

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Chartered surveyors are the only professionals by law able to carry out the single survey, valuation and energy report in the Home Report. A recent survey of home owners/buyers concluded that Scottish buyers and sellers are, without a doubt, benefitting from the Home Report – says RICS Scotland as the scheme passes its 1st anniversary (in December, 09).

Most properties being put on the market for sale require a Home Report by law, commissioned by and paid for by the seller. New builds are one of the few types of property that do not require a Home Report.

The average cost of a Home Report for an average property in average condition is around £430 plus vat. This is much lower than the £1000 suggested in 2008 by groups that were against the Home Report before and at its inception.

There is no doubt the Home Report has benefitted buyers and sellers over the past 12 months. The Home Report offers clarity to buyers and sellers about what the property is worth and what condition it is in right from the start and that’s what the Home Report set out to do. The Home Report was not intended to miraculously fix the housing market but as our survey of chartered surveyors shows, it has certainly not hindered the market.”

Graeme Hartley, director of RICS Scotland

These figures make clear why it is so important to have a Home Report. This simple tool, which doesn’t cost a fortune, has given would-be buyers – about to take the biggest financial leap of their lives – the best possible information upfront. And it has brought in its gift a host of other benefits. Buyers can now keep hold of their savings for deposits, without having to shell out for surveys on properties they don’t get to buy. There is also a much more clarity about the value of a house, with the virtual end to the unrealistic ‘offers-over’. For sellers it’s proving a great way to attract inquiries from potential buyers and guide them on how to prepare the property for sale. In the round, its good news for everyone.”

Alex Neil, Housing and Communities Minister

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Arts & Antiques outshines all!

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The rebound in the arts and antiques market continues to gain momentum. RICS publishes the results for the UK Arts & Antiques Survey Q4 2009.

Prices in the arts and antiques market continue to rise with silver and jewellery leading the way, whilst contemporary art came back into favour following a year of price falls, says the latest survey from RICS.

The all lot price balance continued to edge up in the final quarter of 2009, with 17% more surveyors reporting rising rather than falling prices, up from 14% in the previous quarter; this was the highest since the first three months of the year.

Silver and jewellery remain the strongest sectors with 50% and 37% of surveyors reporting rising rather than falling prices in these categories respectively. These are traditionally seen as safe havens for investors, but their continuing strength can be attributed to the increased scrappage value of precious metals towards the end of the year.

Reversing four quarters of falling prices, the contemporary art market experienced a resurgence during the final three months of 2009. The balance of surveyors reporting rising rather than falling prices was 6%, the first positive reading since Q3 2008, and up from -34 the previous quarter.

In the oil and watercolour subsector, 5% more surveyors reported rising rather than falling prices with the top end of the market fairing particular well. For lots over £50,000, the top bracket, 17% more surveyors recorded rising rather than falling prices. In contrast the balance was only 9% for contemporary arts, indicating that traditional pieces remain more popular for large investors.

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House prices continue to rise albeit at a slower pace

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House prices are on the rise albeit from a level level and geography is important – not all areas are showing increases.

In December, 30% more Chartered Surveyors reported a rise than a fall in house prices down from 35% in November. A significant majority of surveyors are still recording price increases in London, the South East, the South West and East Anglia. However, more surveyors in the North and the West Midlands are seeing falls in house prices indicating that the recovery in the market is less entrenched in some parts of the country than others.

For the seventh consecutive month, more Chartered Surveyors are reporting that the number of new instructions is increasing rather than falling. 17% more Chartered Surveyors reported a rise than a fall in new instructions. Fresh demand for property is still outstripping new supply but the gap has narrowed. 20% more surveyors stated that enquiries from potential purchasers are rising rather than falling but enquiries rose at the slowest pace since January 2009.

Other demand indicators are also losing some momentum, although they remain in positive territory. The newly agreed sales balance slipped to 22 from 24 while the sales expectations net balance dropped to 6 from 20.

Transaction levels were little changed in December. The number of sales per surveying firm is still hovering around 19 for the fourth consecutive month while the closely watched sales to stock ratio – a measure of market slack and a lead indicator of future prices- fell back slightly.

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London office availability no longer rising

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The amount of office space available to tenants in London declined for the first time in two years as the London economy started to lead the country out of recession.

Demand for business property increased in the fourth quarter of 2009 with office space and industrial property proving particularly popular but demand for retail space continued to decline.

Fourteen percent more chartered surveyors reported a rise in tenant demand, up from 8% in the previous quarter. This is the second successive rise in tenant demand and the first time that there has been an upward trend since early 2007.

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Where would we be without trees?

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I have no objection to tree hugging although, in some cases, if the tree is too close to your home then I would advise you to get rid of the tree.

This is not being anti-tree (if there a term for this?). Instead I am simply recognizing that trees take a lot of water out of the ground and if the sub-soils heave or contract due to that influence then house stability may be compromised.

The graphic below (lifted from a national newspaper article – sorry about the jaded quality) shows “safe” distances whereby trees can safely co-exist with housing.

Approximate "safe distances" for trees to be close to housing.

If any one tree is within the “safe influencing distance” suggested then it could cause subsidence issues to your home and/or its drainage system.

Conversely, if a group of trees is clumped together they collectively could all be outside the safe distance but act as if within that safe distance.

House foundations are designed to accommodate some ground movements: in extremely bad soils (clays are the worst) foundations may have had to be especially designed and constructed to cope with such hostile conditions.

In other cases the danger that trees pose is indirect: consider tree roots being too close to a drain run (but well away from a home) – those roots can grow into the drains that then fracture and that water leakage either (1) removes fine deposits within your soil and that causes house subsidence or (2) that water swells the soil and that expansion causes soil “heave” (the opposite to subsidence) that causes the same massive damage to your home.

Removal of trees can also cause the ground to swell up (heave) and so tree removal is not something to be done without first taking professional advice.

So – foundations, trees, drains, sub-soil types and their various interactions are all connected. If you disturb that delicate balance inappropriately then you will have potential consequences that may not be insurable. On the face of such damage your insurance claims should be covered but if the insurers believe the damage was self-inflicted because you planted trees too close to your home, or removed them inappropriately, then you run the risk of your claim being reduced or completely thrown out.

This places the burden of maintaining trees firmly on landowners shoulders. Crowning, lopping, root pruning, root barriers, etc…. are all matters that may need to be considered when advising on trees.

Be warned.

If you are southern England and need advice and opinion, simply call me or use the CONTACT FORM above. Stuart Parrett.

Home insulation

an eye witness report….with a little help from a special camera

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Two years ago I obtained part grant finance to put cavity wall insulation into my own house. Earlier this year I purchased a thermal camera for business purposes and needless to say I carefully inspected my own home. I was not a happy man when the thermal images revealed that the cavity insulation was poorly installed and/or had partially compacted excessively.

I will deal with my own home situation in due course. In the meantime I had eventually convinced my father that he should also have insulation installed in this late 1950’s built detached home. I was determined to make sure my father did not have the same problems as me and this started with the choice of contractor.

I had previously been contacted by a local sales Rep of a leading national company and had already been introduced to the company that was eventually choosen; the same company that was recommended by my Local Authority.

This company sent a Surveyor out and my father asked me to meet him to discuss the job. This survey took about 35 minutes including a 15 minute interview. During the latter it was determined that my elderly parents would not pay a penny. Great news.

Both loft insulation and cavity wall insulation were to be inserted. An appointment for two weeks hence was agreed.

Come the day, at 8-00 am prompt, the cavity wall insulation team arrived. The crew immediately recognized that the former baxi back-boiler vent (now used as a tamper – air flow regulator – for an infrequent solid fuel fire in the lounge fireplace) would be compromised by the wall insulation and so a room-vent would need to be introduced or else the wall insulation could not be inserted. Health & Safety Regulations could not be broken.

The initial site survey had not picked this up and my father was being asked to pay for this extra – or so it seemed: the contractors then said that it was the surveyors fault and so they would go ahead but at there own cost. Great news again.

The whole process took nearly 6 hours on-site: the debris and brick dust (from the drilling operations) was collected and the grounds (and my fathers car) hosed down accordingly. During this process the Loft Insulation team arrived and simultaneously introduced quilted insulation to the loft. The latter also included insulating the water tanks and pipes.

As a house Surveyor I made sure the loft insulation did not cover an electrical (typically 20-30 amp circuits) cables and did not impede essential loft space ventilation.

Despite the noisy drilling operations, that created large amounts of dust externally, the whole process was well executed and the two teams of installers both well trained and well mannered. My parents were delighted.

End of story? No….the benefits arrive by my parents turning the temperature thermostat down a couple of degrees and the timer being set to cut in 30 minutes later and 30 minutes earlier than previously programmed, morning and night. Why? Well, the house now heats up quicker and losses heat more slowly as well as uses less energy to create the required, same, environmental standard.

If the question was – why wouldn’t I have cavity insulation installed? My answer would be (1) cost grounds if you did not attract grant finance, (2) premises too exposed to high winds and rain, (3) house construction does not include cavity walling, (4) the general condition of the premises is too bad to justify cavity insulation that would suffer from adverse consequences of rain penetration or (5) there is no point to having the cavities insulated if you will soon be having other improvements done that may have create problems of insulation leakage (creating cavity voids) that may adversely affect the weather performance of the building.

In essence the pre-installation survey is perhaps the most important part of the process. A mixture of recognising small details and macro details that combine to ensure a safe and fully functional energy saving thermal improvement. A good example of the power and import of good surveying.

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