Posts Tagged ‘Benefit’

Dampness is caused by many factors and it is oft quoted that Surveyors mis-diagnose the causes of dampness. Personally I do not believe this but what I am convinced is true is that a home owners tend to either ignore damp and mould, a strange and self-defeating stance, or become paranoid and seek to completely eliminate all traces of moisture (which is not always a wise thing to do).

Nothing could be worse than ignoring the problems because they usually get worse. Our second reaction is often to get a specialist Damp Proofing contractor involved. Although this can be correct and proper it is my experience such salespersons often sell a solution that is not needed, and which costs you a small fortune. That solution usually means chemicals will be injected into the house walls and in this eco-world this cannot always be correct. Fortunately there are some Damp Specialists who do give good advice – we know who they are are work with them for mutual gain and to your benefit.

It is all subject to scale and degree but the wisest course of action is usually to get your local Chartered Surveyor in to inspect and advise you. I can be accused of profiteering here but I reject I am biased. Dampness can be caused by so many differing factors that a true analysis is absolutely essential to ensure the solution is sustainable. Where does damp occur, why and does a repair need to be completed?

The best way of preventing damp is to design an adequate barrier and to install it effectively during construction of the building. Otherwise a retrofitted system must be considered and such systems are often disruptive and costly.

Also one must consider a further serious problem in the industry of damp diagnosis – often the cause of the dampness problem is mis-diagnosed and this can lead to much unnecessary expense or, even worse, duplicated costs over a period of years as a second solution is then tried.

Condensation is often the actual problem and this can be associated with a lifestyle problem rather than a building defect: indeed, it is my experience that the large majority of dampness that as been rectified by chemical injection systems (see below) are, in fact, a combination of inadequate insulation and a lifestyle issue revolving around your own actions and methods of living in that particular building.

On top of these issues is the danger that historically the observed dampness may have brought with it minerals from the ground. These can migrate up and into wall-base plaster in your lower rooms. This contaminated plaster usually needs to be removed (but not always) and the affected rooms then replastered at high cost and disruption. The dampness may have also started the process of joinery or floor decay that may not manifest until many months later and so it usually pays to expose and lift floorboards before any works are specified – hense my assertion that it usually pays to get an experienced Home Surveyor to check out the home before works are started.

The Dampness Diagnosis Industry is one that is driven by a Free Surveys by the Company competing for retrofit remedial work. Often conflicts of interest result in misdiagnosis and all for the sake of home buyers or owners saving a few pounds by not calling for paid opinion from a local, independent Chartered Surveyor.

So, what are the main types of remedial system if an actual rising damp issue has been correctly diagnosed? Here is a basic list —

Chemical retrofit injection systems: these place chemicals within a wall such that the micro-porous structure of the masonry cannot take in moisture and this solidity prevents capillary attraction and so damp cannot rise into your home. Small holes are drilled into wall bases (usually outside but an interior system can be designed in some cases) and a chemical solution is then systematically injected into masonry until saturation point is reached.

Electro-osmosis: if a small electrical current (equivalent to that used by a doorbell) is passed through a wall it affects the rate of potential capillary attraction that causes water to rise in a wall (like a tree sucking water out the ground). This system typically has a Control Unit (an adaptive power source), Anodes drilled and set into the outside wall-bases plus, finally, an Earth Rod. These are provided externally and are effective if the circuit(s) is not broken or the power supply interrupted.

Physical = the introduction of a new barrier such as bitumen felt, plastic (polypropylene, EPDM or re-cycled), dense (engineering grade) brick course & mortar, lead or natural slate. Any physical barrier will need to be linked to any flooring membrane and be at least 150mm above outside ground levels. The precise position of the barrier must also ensure that embedded, suspended floor joists ends are protected from damp and resultant decay.

Schrijver System: (a proprietary brand product used as an example to identify any such system – a specialist physical system) = this relies upon inserted special devices placed inside a wall (inserted from the outside by a drilling process) that create cold spots to which water is drawn. That moisture is then collected and drained away safely.

Palliative measures – in essence these work on the principal that the damp is not the problem; instead you tackle and neutralise the effects of dampness rather than prevent the source(s) of damp (provided no serious consequence results from such proposals) — 1. Create a new inner skin with damp-membrane and insulant but with a vented space between damp old and stud new inner walls. Possibly complete this work in tandem with outside land drainage works. 2. Changes in occupants’ lifestyle patterns. 3. Provide better insulation and/or improve heating and venting of the building environment (or simply improve the control of such factors).

Arguments exist for each type of theory of repair, or action to combat dampness and its effects (mould, decay, health problems….). Factors to decide the best solution for you may include:—

• The robustness of the correct diagnosis of damp. This factor cannot be overplayed in importance as the large majority of dampness cases are initially mis-diagnosed by Surveyors.

• Whether the degree of damp warrants any actions at all.

• How green you require your repair solution to be.

• The effectiveness and longevity of the various types of solution.

• The costs, direct and indirect, of your preferred repair solution.

• Whether guarantees are issued, and upon what terms (such as being Insurance backed?).

• Whether it is wise to repair damp at all – eg: Cob walled buildings must be damp to remain structurally safe: eg: flint walls cannot be injected: eg: usually slim wall forms of Period Buildings need to breath and this precludes most remedial work methods.

• The peripherals such as the degree of Repair Company expertise required, whether Building Control Approval is need, length of time needed to complete the repairs, what conditions are placed on each repair method, any adverse effect on saleability or mortgageability of each type of repair system, etc……

• Sometimes remedial works might effect an adjoining structure and so the cooperation (sometimes mandatory under the Party Wall Act) of the adjoining property owner is needed before anything can be done.

In seems that the Industry has lapsed into saying the solution is a chemical injection remedial treatment, now what is the problem? Until we can get a little more sophisticated we will continue to complete unnecessary works and/or use chemicals when often we shouldn’t.

The crux of the matter often revolves around two factors (1) whether wall plaster needs to be removed and replaced as this greatly increases costs and length of contract, plus (2) are you prepared to accept that the way you live within the dwelling has caused the damp and mould and you may have to make lifestyle changes: (the latter scenario is real and it is my experience occupiers often will not believe the problem is self-inflicted. This plays into the hands of the rogue specialist damp companies).

It really is quite simple – as every home and method of occupation are so variable no one-solution-fits-all exists and therefore you need good quality advice. So, will you take advice from an impartial Chartered Surveyor or rely upon Bob the Builder or a company salesperson from a Dampness Contractor? The choice is yours.

Surveyors get told to do all sorts of things and at all sorts of times but do you know the options available to you? Do you know how to get the best out of a Surveyor? Do you know when it might be best to speak to a Surveyor?

Everybody seems to think differently when it comes to what to expect of a House Surveyor. Here I outline what I think you might need to know for the most common case scenarios.

1. Thinking of Selling? One option is to consider placing a Home Condition Report (HCR) within the Home Information Pack (HIP) on your home. The same Surveyor could also complete the Energy Performance Certificate (EPC). The HCR is something a potential purchaser, and the Mortgage Valuer/Company, can rely upon and sue the Surveyor if it is negligent. You may think a HCR is a good idea if you wanted to prove your home was in good condition OR if it had serious problems and you wanted to define those problems so bidders did not make over-cautious purchase bids to you.
2. If you own a home that is “System Built” (or is registered under the Defective Premises Act 1972) again you may wish to consider the benefit of a Sellers Survey (HCR) to attempt to remove some of the stigma that can attach to such homes.
3. If you are considering buying a home at Auction you have a greater number of survey options. On the one-hand you don’t want to waste too much money and so you might wish to consider simply asking a Surveyor to walk around the home with you to discuss what he is seeing and to verify no major defects exist. Such a “look around” is not a proper survey but provided you can accept that the Surveyor will not produce a written report and cannot accept any liability for such a restricted inspection then you are on track to buy that bargain and have reduced your risks considerably. Alternatively, you could ask a Surveyor to produce a R.I.C.S. Homebuyers Report (that includes a Valuation opinion).
4. Buying any type or size of Home – remember you always have the option to ask a Surveyor to take an informal look around for you (often with you so you can ask questions etc…). This may be termed a pre-survey meeting at the premises. PROinspect have 15 inspections products and so we can cover nearly every customers request for surveys.
5. Buying a fairly simple, modern home – The most popular survey product in the UK is the R.I.C.S. Homebuyer Report (2010 version) – termed the HOMEBUYER REPORT (HBR). This is a product designed by the Royal Institution of Chartered Surveyors (RICS) and is the middle-tier product designed to be brief but factual. It includes a proper site inspection, survey report on condition, market valuation and an estimate of the Rebuild Cost of the building for insurance purposes. The HBR is termed a Level 2 survey product.
6. Buying a larger, expensive or Period home, perhaps in a Conservation Area or one that is Listed – Your options are a Level 2 survey product such as the Homebuyer Report (if the Surveyor thinks this is wise) or a full Building Survey with or without Market Valuation and/or Rebuild Cost assessment. A Building Survey is a top-of-the-range product and I add a word of caution- (1) only experienced surveyors should be completing such products and (2) many products exist that look like Building Surveys but are not. MAKE SURE your Surveyor comes recommended and that you have spoken to the Surveyor – one to one – before you proceed so you can get some idea of his Professionalism and general attitude.

The Golden Rules are –

• Instruct a Surveyor when your solicitor gives the OK after your loan valuation has been completed and your mortgage finance is verified (not simply offered, subject to terms).
• Always speak to the Surveyor who is to inspect your new home: do not be palmed off with only speaking to a secretary, junior assistant or office manager.
• Ask for a survey product recommendation AFTER you have provided full details of the property you are buying (age, price, number of bedrooms, address, etc…).
• Make sure your Surveyor is locally based, knows of the property construction type and is generally experienced both professionally and locally.
• Make sure you will be able to speak directly with your Surveyor after he has delivered your Report.

If your home/property is in southern England I invite you to call me to discuss your exact needs. Stuart Parrett +44 (0)1489 896 174.

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.

1- Do I need a Surveyor?

BUYING – Chances are that the home you are buying is OK. What if it isn’t? Do you carry the risk? Would the value of the house be lower with significant defects? We would be insured against serious matters, wouldn’t we?

Is the message becoming clear? Why accept risk when you don’t have to? Any defect, minor or serious, is not an insurable peril if it existed when you bought your home (Insurers call these matters “pre-existing-defects”).

Also remember – don’t be fooled into thinking that just because your Loan Company have advanced a large sum means that the premises are free of defects. A Valuation Report IS NOT A SURVEY and in an increasing number of cases such Valuations are produced without inspecting the premises.

So – do you need a Surveyor? The answer is a resounding YES, you do.

SELLING – Increasingly the wise home owner, but only those who can afford this benefit as it is not essential, is choosing to commission a Seller Survey. This is something new but it can be relied upon by Loan Companies and Purchasers (either could sue the Surveyor even though the report was commissioned and paid for by the seller).

Why would a Seller want such a survey? To prove there is nothing wrong or to say, yes we do have condition issues but the report quantifies them and are Asking Price has been set accordingly (thus limiting the negotiation time and angles that otherwise cut in later in the disposal transaction period).

IMPROVING – Thinking of having Conservatory or new windows or a loft conversion? STOP and THINK.

Will that money actually add value to your home? Not all improvements add value. Do you need a Valuers opinion?

If you have just had such works completed do you realise that you may have forgotten something else? You have just created additional costs should your home have to be rebuilt for whatever reason. Did you increase the sum of money that represents the ceiling sum within your Buildings Insurance policy? Do you know how to calculate the rebuild cost of your home?

Surveyors/Valuers are needed at almost any stage of any project to do with housing.

QU – What factors combine to increase the risk of defects at residential properties?

ANS – Age: certain forms of construction: the degree of DIY completed: the type of sub-soil the home is built on (clays being the worst): is the home under threat from flooding?: lack of past maintenance: certain ages of home have certain defects “built in”: the quality of alterations and extensions: weather exposure: the list be long………..

QU – I can do what a Surveyor does; it’s easy. Why bother with using a Surveyor?

ANS – Our standard answer revolves around – anyone can see if the paintwork is peeling, if the roof has a hole in it, if the walls are cracked or not, etc…. But, consider this …… could you recognise the difference between subsidence, settlement and heave? …… could you recognise the difference between wet rot and dry rot and know the implications of that distinction? …… if the roof contours were straight could you still recognise when a roof frame is under serious stress? …… could you diagnose cavity-wall-tie-corrosion problems? …… before you went to the house would you know if it was in a district that suffers from defects such as Mundic, Radon Gas, Black Ash, Subsidence, Flooding and other serious problems?

2-         When do I need a Surveyor?

This is a more tricky question.

Sometimes it all depends on cost – if you are buying a Leasehold home/flat the legal and other researches needed are much more costly in which case it can make sense to commission all those matters first and leave the survey until later in the transaction.

However, in most cases it is wise the consider appointing a private surveyor as soon as possible after having your bid approved by the seller.

Private surveys will focus on the negative about the property and discuss the defects and their effect on saleability and value. Are these matters you would necessarily want your Loan Company to know about? Why then would you consider using the Loan Valuer for a simultaneous private survey? It just doesn’t make any sense.

Always commission a separate Loan Valuation and Private Survey.

In some cases the Loan Company Valuation report or researches will state that signs of a defect were noted or that the home is at high risk of ………… In these cases we would suggest you contact PROinspect immediate and talk through your worries. It is possible we can give you the re-assurance you need to move forward; if we cannot then we should be able to suggest a Survey Product designed to provide exactly what you want OR refer you to another professional who will be able to help you specifically.

Don’t forget your Surveyor after you have moved in. Many times during your occupation you may need a chat before you commit to a course of action that if you get it wrong may later rebound to haunt you —

• I live in an exposed coastal position. Is cavity wall insulation a good idea?
• Will converting the garage into a dining room add value to the home?
• After the snow of New Year 2010 I noticed a bow to my main roof – can you check it out?
• We had XXXXX works completed but are not happy with some elements of the finish and need your opinion?
• We are getting mould and condensation. Can you help us?
• We have had an extension done and now need to increase our Home Insurance to reflect that work. Can you calculate the right sum for us?

And finally…. when you come to selling your home you nowadays have the option to commission a Sellers Survey to prove your homes’ condition. Any buyer can rely on that report and either seller or buyer could sue us if we have got something seriously wrong. In England we are not used to such a Survey Product but in the difficult times we now live in this is something that should be at least considered before you instruct an Estate Agent.

3 – What Survey Product will I need?

1, 2 or 3 or something else?

First of all do completely forget what any other professional adviser has mentioned to you. How many times have we heard customers tell us what “the man in the pub” told them they should ask for.

If you need property advice about surveys who is the right person to take a brief from? Your Solicitor? The Estate Agent? Your Neighbour? NO – tell the Surveyor what your needs are and he/she will recommend the right product that will deliver the re-assurance you need to move forward.

In industry jargon there are only three basic types of property inspection – the higher the number the higher the complexity, fee cost,

• LEVEL 1 Any brief inspection that is not a survey. All Valuations are at this level.
• LEVEL 2 Defined/Limited/Economy surveys or inspections. The most popular forms of Home Surveys are at this level. Included here are Specific Defect Surveys and diagnostic viewings.
• LEVEL 3 These inspections carry the higher fee costs, the surveyor accepts much higher levels of liability to you, the survey products are in much greater details, extras can be added to tailor the final product to your exact needs and budget. Building Surveys and Expert Witness Reports fall into this category.

Level 2 Reports are by far the most popular in the UK and the one Report Product that is head-and-Shoulders above the rest is the Royal Institution of Chartered Surveyors Homebuyer Report (the HBR). It becomes highly important that potential customers discuss their needs direct with a Surveyor BEFORE they issue an instruction. This ensures that the Survey Product obtained is both relevant and focussed to that clients need and budget.

To list a few Level 2 products will make our meaning clearer:-

1. Royal Institution of Chartered Surveyors Homebuyer Report (the HBR).
2. SAVA Home Condition Report
3. SAVA Home Condition Survey
4. PROinspect Landlords Property Report
5. Thermal Imaging diagnostic reports for leakages and condensation
6. Schedule of Condition (usually with a high element of photography)
7. Schedule of Dilapidation.
8. Specific Defect Report.
9. Pre section 35 (CPR) Expert Witness Report.
10. Boundary and/or Contractor dispute opinion Report.