So What do you need to do – When and How?

Don’t ring a Surveyor and say “I need a survey, how much do you charge?”. This does not give the Surveyor a chance to understand what you are buying and making a recommendation on the best survey product. The Surveyor could, in many scenarios, save you many pounds if you will only take the time to listen.

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It all starts with how you approach your private Surveyor………..

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What are you buying – House Bungalow Flat.

How old is it? – Victorian Modern 1930’s etc….

How big is it? – No of Bedrooms? No of reception rooms? etc….

What is its general state? – Modernised? Well presented? Derelict?

What price have you offered OR what is the Asking Price?

Where is it? – Which Town or Post Code etc….

Do you have specific plans for the home?

Do you have specific concerns about anything?

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These matters allow the Surveyor to understand YOU and what you are BUYING. Once you have agreed the survey product and a fee cost and issued an clear instruction for us to proceed we will need the following type of data from you:-

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Required Customer Information

PROinspect and our customers must communicate and agree at least the following data and terms:

1. Client name and full address (if more than one person then multiple data is needed).
2. Home, work and mobile call details of each client.
3. Preferred E-mail address of each client.
4. Full address of home to be inspected (including post code).
5. Home access method and details (typically an Estate Agents full details).
6. If a home HIP exists – the full reference number of that document in sufficient detail to allow us to download it.
7. If the client knows what survey product they need then please provide the NAME of that product OR tell us what is worrying you about the home.
8. What extras to the standard service level are needed?
9. Fee agreement – the sum, how and when it will be paid etc… We usually require full payment before we submit our Report or findings to the customer.
10. The urgency of the transaction (do you have any pre-agreed deadlines?).
11. Full details of your solicitor (including call number, name and personal e-mail address).

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PROinspect will then e-mail or mail our verification, business Terms, product scheme, Conditions plus fee Invoice.

We will contact the Agent or Home Owner and do all that is necessary to inspect the premises and to report to you. Once you have our verified Fee Quotation and Terms/Conditions, and have indicated your full agreement o our service(s), then we do everything leaving you free of the stress and worry of having to organize anything.

A PDF version of this testimonial can be supplied if you request via the Query FORM on our Home Page.

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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.

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.

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Buy today at, say, £250,000; sell tomorrow for less (regardless of market conditions).

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According to “new thinking” (post-Credit-Crunch) the answer is NOW – an immediate fall in reported value can be expected.

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Developers and Lenders have noted valuation inconsistencies over many years now despite their attempts to QA out certain historic bugs-in-the-system. EG: once upon a time all parties came together and established the concept of “New-Build-Premium” on brand new homes; this has since been rescinded and no longer exists.

Valuation uncertainty can be traced to many factors, such as – market volatility, poor professional direction (to Valuers), differing policies adopted by the many lenders/valuer-chains, lack of transparency on Builders’ buyer-incentives, etc…..

Indeed, Valuation nowadays seems to have drifted from a professional opinion of what the local market will bear to simply what can be inferred by comparison with historic transactions. The result? Over-cautious Valuations by “directed” Valuers (as opposed to the Valuer exercising free-will and giving a true professional opinion).

Nationwide has been operating a New Homes Valuation guidance scheme that includes an opinion of “resale value*” as well as “current value” (*market value but upon the special assumption that the property has already been occupied – for six months, at least: making the home “second hand”).

This resale value means that any element of premium being paid because the home is “new” is to be discounted from the figurework.

This is a real grey area and official guidance by Royal Institution of Chartered Surveyors, and others, is not entirely clear and not nearly comprehensive enough to currently protect its members from claims of negligence.

The problem for Valuers is that the second-hand market that produces comparables may not have the same design features, low-maintenance materials, low-energy-consumption figures (etc…) as the new home.

This now causes the Valuer to have to identify exactly (1) what creates the value of the new home, (2) of those factors, which are unique to the particular new home and (3) which of those factors should be excluded, (4) how is each excluded factor to be assigned an element of value, plus (5) which new home features disappear after six months (when the condition of the home is not perfect any more).

A new science is in the making – how much additional value does a door-bell create? What deduction should be included for having a non-porous driveway in a floodplain area? You could easily disappear in dispair at the complexity of these matters.

The answer is always simple – look at Valuation holistically and ensure any significant new features are then identified and considered: make notes to explain your logic, any evidence you have to support that logic and then value accordingly.

One feature that has seemingly had its own solution is the 2008 introduction of the Council of Mortgage Lenders INCENTIVES DISCLOSURE FORM. The Valuer must ask to see this document on all New Home valuations. The Form lists the sale incentives used – discounted mortgages, cash-back schemes, no-fees mortgages, free gifts, nothing to pay for a period, carpets and curtains included, etc…. However, for clients who have revealed their financial affairs to us PROinspect has seen many of these Forms and it is our opinion that the actual sale price remains less than transparent.

Another, and topical, factor to mention is that in poor market conditions Auction Sale results can be viewed as distressed-sales and not wholly indicative of the overall local marketplace (and repossessed homes can often be in poor condition).

Another problem is that the world is imperfect and knowledge is not freely shared. Each Valuer will have comparables, but not all comparables. FACT – imperfect knowledge creates valuation variations.

The latter feature is the basis of why most Loan Companies have in-house or controlled PANELS of Valuers. Each valuation instruction to a Panel Member goes with a list of known comparables.

This practice creates a closed cartel of Valuation instructions. This is not necessarily a bad thing: any system is as good as its weakness link – if the instruction data is good then the valuation opinion output is capable of being accurate.

In an ideal world all Valuations would be placed on a national database and be freely available within days of completion. Each Valuation instruction would come with all known data.

In essence valuation will have moved away from expressing a professional opinion to be replaced with data analyst skills. Is this the first shot of the creation of a two tier valuation and mortgage market – (1) 100% mortgages based upon data analyst Reports and (2) restricted mortgages based upon all other opinions?

As always, part of the answer is focused in market education: most of the public will be unaware of the politics of the art of valuation (and they may not even care about such matters) and therefore may be happy to continue to blindly accept whatever the Loan Company tell them and not elect to pay for an independent assessment of worth, perhaps also not even commissioning a private condition survey, to assess the real risks of purchase.

Credit Crunch showed how financial Institutions can be systemically rotten and not put the client first: New Home loan Valuations and Valuers are in danger of being sucked into a similar vicious cycle unless true leadership can be shown by the Royal Institution of Chartered Surveyors (the leading body that regulates Valuers) who need to rise above the dictates of the Council of Mortgage Lenders.

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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A DAY IN THE LIFE OF A HOUSE SURVEYOR

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Picture the recent scene – House for Sale, price agreed, finance settled, legal matters done, only the survey to be done.

Surveyor finds various disrepairs and works are needed. No problem – most matters are said (on the Agents Details) to be newly refurbished/completed and therefore assumed to be covered by guarantees. BUT – the HIP had not had any of the usual Report and Certification documents uploaded to it and the requested HIP did not include a copy of the Property Information Questionnaire (which is mandatory) to point the surveyor in the right direction.

Result?

The Surveyors’ private survey report to the purchaser had to include detailed “what if” (with guarantee and without guarantee) comments for each defect plus valuation advice on the basis of with and without guarantees. This created greater uncertainty and complexity such that we had to hold a one-to-one meeting with the clients to re-assure them that it was worth continuing and how they should proceed.

Our Surveyors role was extended from defect diagnosis to part legal and part marketing advice to hold things together. PROinspect have no problem with this but many Surveying Practices would not go that extra mile and so the Agents and Seller got lucky (to date we have received no thanks from Seller or Estate Agents).

The Sellers interest could have easily been disadvantaged had ANother surveyor been choosen to act for the clients.

All for the sake of taking HIPs seriously and using them intelligently. The Sellers, but probably the Agents, in the context of this specific case, could have uploaded -

(1)   Multiple Contractor Reports and Certificates/Guarantees

(2)   Building Control Approvals, with Plans

(3)   Details of rights-of-way

(4)   Boundary ownership

(5)   Simple list of what recent work was completed (more than just “main items”).

PROinspect have experienced a sequence of transactions where the Agents had not acted legally: HIP documentation was not forthcoming, or was incomplete, when requested by us. This is the first occasion where we have been critical of Sellers/Agents and so compliance is generally not an issue, it seems.

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Lets compare the performance of the Commercial Markets is getting its act together on mandatory commercial buildings Energy Certification. The following is an article from QUIDOS recently –

Commercial landlords ignore energy performance legislation

• Survey highlights compliance rates of just 22% with recent commercial energy legislation
• Landlords show reluctance to commission surveys amidst depressed market conditions
• Trading standards officers to use report to target property without an EPC

Quidos Limited, experts in property energy assessment and compliance matters have published the results of an autumn study into commercial energy efficiency certification across several South West regions, conducted with assistance from local Trading Standards officers.

The report shows that Landlord compliance with the 1-year-old Energy Performance Certificate legislation for commercial property (currently for sale or let) was still very low, with only 22% of commercial property appearing to carry a valid energy certificate.

Areas surveyed with their compliance ratings:

Although these results must be qualified by the methodology used they have surprised many industry professionals who had considered EPC compliance to be over 80%. Whilst Quidos have stressed that the figures are at best illustrative and focused only on the South West, they do highlight a lack of industry compliance which is likely to be repeated across the UK.

Speaking after publication, Quidos Operations Director Nick Branch spoke in favour of moves to improve awareness of energy efficiency; “These certificates provide a valuable asset rating of the energy performance of buildings. This data can and is being used by forward thinking landlords to improve the energy efficiency, and value of their property portfolio. With low cost loans available from the Carbon Trust, these energy saving improvements can be capital neutral in the short term and revenue generating in the longer term.”

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SAVING ENERGY

UpMyStreet’s room by room guide to energy saving. You could save up to £383 a year. Data taken from the public “upmystreet” website on 26/10/09:

Indeed, if you insulate all walls and all loft spaces to today’s thermal standards you could then change the space and water heating timeclock such that the fuel is off for about 30 extra minutes a day; you could also turn the thermostat down one or two degrees. These factors will save you money but continue to achieve the same comfort standards as before you upgraded your insulation – Why? – because your home heats up quicker and does not cool so quickly.

Kitchen:

1. Fill up your dishwashers and washing machines before you use them: one full load uses less energy than two half loads. By only using your dishwasher when it is full you could save an extra £15 a year.
2. Turn the temperature on your washing machine down from 60 to 40 degrees or, if you can, 30 degrees. Most washing powders will work just as well at a lower temperature.
3. Try to defrost your freezer regularly to keep it running cheaply. An over-iced freezer will have to work much harder to stay cool, in turn wasting more energy.
4. Only fill and boil your kettle with the amount of water you need when making a cup of tea.

Bathroom:

1. By turning off the tap while brushing your teeth you could save a massive five litres of water each time.
2. Place a Hippo (water saving device) in your toilet cistern and each time the toilet is flushed this will save you around three litres of water and money off your water bill.
3. The Energy Saving Trust recommends swapping one bath a week with a five minute shower to save up to £15 per year off your energy bill. Just make sure it’s not a power-shower as these can consume just as much.
4. Fix those nightmare leaky taps to save approximately four litres of water a day.

Living Room:

1. Switch your normal light bulbs to energy saving ones and you could use 80% less electricity. Energy saving bulbs last up to ten times longer too, just don’t forget to turn the lights off when leaving a room.
2. Rather than leaving your appliances on standby, turn them off at the source and make yourself a saving of £33 a year.
3. Insulate your home. Cavity wall insulation will help reduce the amount of energy you need to heat your home and keep it warm. This will make you a saving of £115 a year. While insulating your loft can make an extra saving of £150.
4. Turn the thermostat down by just one degree and although you probably won’t feel the difference you will be able to cut your bills by 10% making a saving of around £55.

So, in conclusion it seems we can save fuel and therefore money in order to pay the fines imposed for non-compliance issues. Great.

No – but seriously, well done residential Estate Agents but look out Commercial Agents: Trading Standards Officers will have picked up on these issues.

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Let the buyer beware

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A lady called me to ask why her new home was filled with flies. I don’t know, I replied, where are the flies? In my windows, she replied. Perhaps the frames or trickle-vents are not sealed properly? After a few minutes she insisted I call out to “look and advise” (for a small fee, of course).

Minor window frame seal problems accounted for the flies: two minutes inspection time was all that I needed. BUT…… like in Question of Sport on TV – what happened next?

Over a cup of coffee, whilst chatting through how she should tackle the builders, I simply said ‘why have you got such a large gap between floor and skirting boards (in her dining room)”?

Oh, that’s nothing – the Builders had to inject concrete under the floor for some reason just after we moved in. They drilled through the floor surface and a big machine pulled up outside and pumped concrete for ages, she reported. “But you have a suspended concrete floor and you cannot just pour concrete into the void under it” I replied.

After a while, after feeling very uneasy about what the Builders had done, I decided to stop and not alarm the lady owner. She did not pick up on my own alarm and so I left site and one happy client.

The following week I was in the offices of the Local Planning Authority on another matter and decided to have a quick look at the Building Control file of last week’s “fly visit”. To my utter astonishment I uncovered a nest of letters from one contractor to another; inputs from Engineers and the Developer HQ office and Site Manager (it was a large development). Engineers were concerned that surface water discharge systems on-site were causing the chalk sub-soils to liquefy and withdraw support for garages, roads, drains and housing above. The worst, thus far, was reported as my own clients’ home.

I studied the file and saw correspondence over about six months expressing concerns and debate about what should be done. In essence I had discovered a hornet’s nest. Land and buildings were subsiding and a land stabilization scheme had to be considered/implemented.

To cut a long story short we subsequently negotiated with the Developers to buy-back my clients home and to reimburse all her expenses and fees involved in moving into another home out of that area.

There are several stories here but the lesson to be learnt is that ANY HOME CAN HAVE SERIOUS PROBLEMS and it pays to take advice from a practical SURVEYOR; one that offers an exceptional after-sales service and has the skills to not only find faults. “Service” starts with the obvious but can diversify into multiple related other areas. In this case no Solicitors were required – this was quite unusual but did reduce costs considerably as we did not need to know exactly what was happening, just how the problem affected marketability and value. The problem remained with the Developer.

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English Heritage says two-thirds of Conservation Areas at risk of neglect.

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This was reported – the main, front page headline – in the Winchester based Hampshire Chronicle in mid-2009.

Will the use of Article 4 Directives be extended so affected homeowners cannot even make small changes to their homes? Will Listed Building Officers use this new background influence to retrospectively demand past “improvements/works” are rescinded, new windows removed and replaced with single-glazed casements, paint colours changed, gutter types be replaced, Satellite Dishes removed or relocated, etc…… The list is potentially endless.

This opens up the old argument of just what is being protected? Also… all potential owners of Listed Buildings, or non-listed homes but within a Conservation Area, should always have a survey completed as added protection against retrospective claims (it doesn’t hold water that you didn’t do it – you are still liable).

Conservation should not mean “no change whatsoever”: districts and individual homes evolve with time and circumstances and often conservation policy and actions can cause district stagnation and either enhancement or depreciation in worth/value. A balance must be struck between parties to retain our bricks-and-mortar heritage.

In my own Town of Bishops Waltham, one of the Conservation Areas said to be “at risk”, we have several examples of such conundrums:-

High street shops have erected metal brackets to hold seasonal Christmas trees along the high street. Building Control officers sought for their removal as unauthorized development, mainly upon Listed Buildings, in a conservation area. Fortunately, common sense, for once, has intervened.

The larger, and more thorny, issue in Town at the moment revolves around a brownfield site as a possible Sainsbury superstore. Say No To Sainburys is plastered around town and feelings are running high.

Sainsburys say that nectar card analysis reveals that a large Store in town is more than required by the spending power of town residents alone and that a local store would encourage us to stop travelling to Fareham or Hedge End where giant stores abound, and are often grid-locked.

Local shops say NO, the town and high street would become a ghost town and destroy the quite charm of our market town. This NO faction, as always, are very vocal and believe the majority are against Sainburys.

Looking at this issue holistically and dispassionately, can our high street support an ever growing population with diverse needs, is parking adequate, are cars congesting what should be a pleasant shopping experience, how can our commercial centre grow and meet are needs?

The same basic underlying factors are at play –

Is the status-quo set in concrete or can a market town grow sensibly to serve residents needs? Can large changes OR many small changes be made yet not spoil the essential character of our environment?

I recently toured Asturias through to Galicia in north-west Spain, an area of small farmsteads, rural in character and with breathtaking countryside and coastlines. Change is happening big-time : a coastal motorway is opening up the region and nearly all major Towns are having ring-roads built, cobbled-stoned high-streets created, etc…. Change is a part of life and they are embracing it (probably with EC grant funding, but that is another story).

People, buildings and environments must adapt to current needs and trends if a sustainable community is to be created, one in which our children may just decide to stay in, rather than make an early bee-line to the nearest City (civilization, as only our youth see it).

Whether it is to Sainburys objectors, local Conservation Officers or a Listed Building owner, I say the same thing; be tolerant and do not shut off change for the sake of it.

Metal brackets or a fully fledge, massive Sainburys stores are matters that require proper judgement plus an empathy with not only our own needs but also those of the whole community. What does common-sense say to you – no change or evolution in a controlled fashion?

Time will tell. To change or not to change?

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I complete many surveys for Building Companies; Part Exchange cases mainly. Often I am asked by a home owner “Should I have a survey on a brand new home? Would it be worth it?”.

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This is one of the hardest questions to answer. Yes? No? Maybe?

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The way I handle such a question is to first ask why they are asking – often a clue develops in that conversation. Others handle this differently and I so-called SNAGGING REPORTS that say that a door is non-compliant due to some obscure Regulation breach and that it has a small scratch by one hinge etc….

Has a solicitor advised a report? Has what I have been doing in their own/current second-hand (old) home frightened them into action? Have they been watching too much TV? Have they had a Lender Valuation report copy and something has upset them?

Often potential purchasers see the Environmental Report and are frighten so much that they google Surveyors and ring to get free advice on that report – this is common.

Sometimes purchasers see something closeby to their new home, eg: an electrical sub-station, and ask if they could get cancer if they moved in – I am not joking!

Sometimes purchasers see that the local sub-soils are predominantly of shrinkable clay and ask me to complete a full Building Survey (on a new home) to ensure them that subsidence is not affecting their potential purchase.

I suppose that what drives many of these types of comment is the fact that purchasers often feel out of their depth: they need and seek re-assurance and asking for the most expensive form of survey fulfills that inner need.

In some cases they ask for a full building survey but when I ask if they also require a market valuation they say “no – I have had a Lenders Report and they say the price is ok”, or they say “I don’t need a Rebuild Cost Assessment because I have insured it for the purchase price”! Rational?

So, how do I answer this question – Is a new home survey really worth it?

First – discover why they are asking. What drives the request? MOTIVATION?

Second – ask what type of home it is and where it is; what is its value? QUALITY? SCALE?

Third – ask at what stage of construction is it at? PRACTICALITIES?

My answer then falls into place.

If it is part built then I report that to ensure a good build-quality they could employ me to check, weekly, during the remaining build-period and to then snag and de-snag the final structure. Obviously this is expensive but would deliver the best build quality and finish possible.

I often refer to the fact that defects often need time to manifest themselves: a missing internal door lintel may not show any distress until months or even years later. A survey after snagging would probably not reveal that problem or risk. This is not negligence.

Is performance of a snagging list the best form of survey? I have seen “specialist contractor” snagging reports and they stagger me. They have merit but are usually filled up with comments such as “the top edge of the bedroom door is not finished in accordance with the British Internal Joinery Association Code of Practice No XYZ/123 and the fire-stop is 1mm too narrow to door head corner area etc….

The surveyor may be right in making such comments but the effect of his/her remarks is generally inconsequential in terms of reduced/increased fire risks. The fact is that if you buy a new car, it is not perfect and it will de-value immediately. The same is true of housing.

We are rapidly becoming American’ised and expect perfection and he-who-shouts-loudest often can succeed in getting works done because of such snagging reports. The “reasonableness test” of whether something not right is actually “wrong” is a moving target depending on circumstances:-

Referring to a part of the building element –

• Does it fulfill its designed performance?
• Has it been installed/built correctly?
• Will it be liable to age more rapidly?
• Does it look reasonable?
• Is it safe?
• Can it be repaired without disproportionate cost?
• Does the problem affect value or saleability? Etc…….

A case can be made to say that some “defects” do not need to be rectified. All things are in a state of imperfection and so why change them? A reason must exist.

My own approach is one of common-sense: is a repair needed? My thought processes will be influenced by the calibre and quality of the building, its weather exposure and if a problem affects value and saleability. My actions on site should not reflect the whims of my client.

“Do you need a survey” also depends on the reputation of the Developer: if they have a good after-sales regime then you can expect to rely upon that service, as well as the limited cover provided by the NHBC 10 or 15 year insurance policy on the home.

So – is a new home survey worth it? Well, yes. Yes, but the type of inspection(s) or report are open to opinion and that is determined by budgetary constraints and personal attitudes. Some clients say “as detailed as possible so I can screw the builder, please”.

So, I DO FIND IT DIFFICULT TO ANSWER THIS QUESTION. I do not like to see clients pay good fee money for less-than-practical-reports and so a certain definition of terms is always needed so I can define the right survey product for any particular client. Any mis-match of expectations will inevitably result in hassle for all parties concerned.

Once (years ago) a repeat client of mine asked for a “full survey” on a new home: when I began my questioning it transpired that the client had a very inflated opinion of the quality of her purchase and the builders ability to set right all faults. In that particular instance I decided to not quote or act for the client. Ducking out? Perhaps I did, but perhaps somebody else didn’t and I hope the client got what she wanted but, to remain professional, I do not report “to order”.

I consider the above a truly professional stance; others may say differently but I like to think my stance is both modern and appropriate to today. I would like to hear others’ views on this conundrum – got a view?