Posts Tagged ‘Surveyors’

Why choose an independent House Surveyor? Why choose PROinspect?

To those who have experienced the reasons why a Surveyor can make a big difference to a housing transaction I apologise for wasting your time. For those who look for cheapness and do not care who acts for them may I suggest you slow down and study the advice given below.

Blue sky thinking shouldn't be rushed. Choose your Surveyor wisely.

 

All Home Condition Surveyors should be at least working to a basic level of competence, carry at least the minimum level of insurances and have kept themselves reasonably up-to-date professionally and technically: the latest buzz words being Technical Due Diligence, or TDD.

Therefore, on the face of any one particular housing deal all Surveyors are equal.

WRONG. Some are more equal than others and provide a truly exceptional level of service designed to aid you to a swift and knowledgeable exchange of contracts with you in full control. Some are stuck in one gear and no matter what you want and need you will get what they always do: often this type of Surveyor is difficult to contact and is “protected” from client calls by a host of secretaries and customer services people (try attempting to actually talk to such a beast and you will see what I mean).

If all Surveyors train and generally work to a similar standard why do I need a better standard? Credit Crunch should have taught you what Bankers think of customers and how they cannot even make loans and mortgages on terms that most of us could even dream of finding acceptable. Self-interest is what I am defining: interests of the Bank are more valuable than mere customers interests. The same can be said of a lot of Surveyors.

What you need is a professional adviser who understands you, why you need a survey, what is happening in the marketplace and “know” the home type you are buying. Somebody who understands how most purchasers will not appreciate the mechanics of the chain of things that could go wrong and what can be done to protect their interests.

So what do I do that is over-and-above what the average Surveyor does?

1. I never accept a survey instruction without first personally talking to the client to ensure the product they asked for is relevant to the property and their budget. Other survey product options may be applicable.
2. I visit every relevant web-site that may give free data on the home being purchased so I have more that a cursory knowledge of the building and its history even before I see it. This allows me to easily focus on key issues and so better manage my time on your behalf. I even personalise my Site Notes template to reflect that initial property and risk-management data.
3. Where possible I interview the seller so I obtain detailed information on alterations, service histories, problems and possible disputes. This level of service acts as the eyes of the Solicitor acting for our clients.
4. In preparing your Report I pitch the words I use to my assessment of each clients technical property understanding: in other words I design advice to suit each client, as all clients are different.
5. I make sure you know that once you have your Report I am available to explain things to you, if you need that re-assurance.
6. If you need advice on what courses of action you could take I will advise you of your options.
7. If you need advice upon what Contractors to use I will make recommendations.
8. If your Solicitors or loan source need additional advice or information I can provide it.
9. If you need robust opinion to help re-negotiate the purchased price, just ask.

In other words, for the price of a survey you get a full Consultancy Service thrown in. I will not leave you stranded.

Practical, good communication is just as important to us as it should be to you. Our high service level not only helps you but also the seller because our actions do make the difference between actually buying and dropping out because “it all got too complicated”.

To some, our high service level is difficult to appreciate or understand. To those we have helped by these service standards we have customers for life and we have proved to be life-savers in a world of doom-and-gloom.

House of Horrors OR Home Sweet Home? The choice starts with who you allow to act for you. Do not get misled into requesting a simultaneous loan valuation and private survey: this is not the route to take for several reasons. Call us and we will explain.

Finally, let me provide a few examples of professionals who have been negligent and who cost clients thousands of wasted pounds:-

• Surveyor could not tell if the loft excrement was from vermin or bats: it was the latter and this caused redevelopment to be delayed nearly two years – (= technical incompetence).
• Valuer who over-valued a home by 55% – (= lack of local knowledge and quality control).
• Surveyor who did not detect that a house had been structurally underpinned three times: the effect of this was the client bought at an inflated price and was then denied Insurance cover and cannot now find a buyer at all – (technical and professional incompetence).
• A flooring contractor who laid a solid floor topped with hardwood: both failed and required replacement – (technical incompetence).
• A Solicitor who negligently conveyed a home that the seller could not then dispose of – (technical and professional incompetence).
• A Surveyor who did not know the difference between traditional construction and a home now designated as defective under late 20^th century legislation and is only worth half of what was paid for it – (technical and professional incompetence).

PROinspect have acted as Experts in preparing Court cases or in preparing evidence for Insurers in these and many other such cases. We are as pleased to act for you, an individual, as for acting for a large Company. Our standards do not vary.

High fee cost? Well no; we hope we are not cheap but above all we plan to be the best value-for-money. Many say we are safe-pair-of-hands in a wicked world.

Why chose an independent Home Condition Surveyor? It pays to not take the chance that cheap may be beautiful. You need expertise and certainty. We provide professionalism and robust, practical help.

I will be brief:

Please study this web-site: I am a heavyweight Residential Property professional and I need help NOW. Can you help me?

My contacts and web-site generate a large number of requests for help. Often this is for free advice but I do not mind as the goodwill generated is massive and such people often then recommend me to others who do become clients of the fee earning type.

This volume of referrals means that have need a National Network of similar Surveyor/Valuers. Members of experience and professionalism who have very higher standards of customer care.

I am looking to one or two Surveyor/Valuers in each County and perhaps several in London and the bigger Cities.

Fairly minor start-up costs will be required (to be agreed, to agree service level standards and uniform documentation etc…) and then PROinspect would take a commission for anything you can take on (it would be your choice).

At this early stage I have no further written details.

If I am striking a cord with you and you can see the sense in what this opportunity offers then e-mail me in the first instance and I wil then call you to discuss.

Typical tasks would include —–

1. Seller and Purchaser Surveys
2. Market Valuations
3. Divorce Valuations
4. Specific Defect Reports
5. Expert Witness Reports
6. General Consultancy Services.

E-mail me at stuart@proinspect.co.uk

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.

Independent thought and action rely upon professional integrity and a genuine belief that the “client should come first”.

I passionately believe this is true and it drives my thinking and how I conduct my life. Recently I have self produced a YouTube video so I express my thinking to a wider audience. I invite you to take a look and give me some feedback.

To access the video click this link — http://www.youtube.com/watch?v=8n5Cj5yliRI

I emphasis that as a Chartered Surveyor I am heavily regulated and abide by a Ethical Code: it is not the words that are important here as it is my believe in such matters that counts – others seem, at times, to stand for a lesser code and these are the Surveyors who get into trouble and I find myself working against them in Court.

Typically I work for Buyers but increasingly Sellers are requesting surveys. the latter to flag the home has no serious faults OR to define exactly what is wrong and so begin to manage the damage to saleability and potential purchasers expectations. As stated above I also, increasingly, work against Surveyors and Valuers when cases of alleged negligence raise their ugly heads.

So- nothing is more important to anybody involved in housing than receipt of unbiased professional advice: your own surveyor or valuer should only receive a fee or commission from YOU and nobody else (often behind the scenes commissions are paid by Surveyors/Valuers for the initial introduction from an Estate Agent – an action that I strongly object to).

Remember – a loan valuation is not a survey and you are advised to separate out the private survey from the loan valuation: why would you think that a simultaneous survey and valuation could ever be in your best interests – THINK, you are telling the loan company what is wrong with your home and they may, as a result, not issue the finance you need.

The most popular form of UK survey product is the R.I.C.S. HOMEBUYER REPORT (and Valuation) but remember the stat – only 1-in-12 home buyers take any independent professional advice on purchases.

The choice is yours: buy with good advice behind you or take a serious gamble.

Take my advice – call me find out what are your survey options – the call will cost you next to nothing and you might just save yourself a lot of money or a giant headache.

Stuart Parrett +44 (0)1489 896 174 or 078 3636 3040.

What is an HCR?

A Home Condition Report contains information about the physical condition of a property, which sellers, buyers and lenders will be able to rely on legally as an accurate report.

The Report is an important part of the Pack, and can be included by sellers on a voluntary basis. Sometimes the seller needs to be UP FRONT about problems so the damage to marketability and value is controlled and the Agents tactics can be designed to be in your favour, as a seller.

Sellers who provide a Report will have an early opportunity to carry out repair work on the property or obtain quotes prior to marketing.

Buyers can use it at the beginning of the home-buying process to minimise the possibility of being faced with unexpected repair bills and other surprises.

The Government believes there will be significant benefits to home sellers if they top up their Packs to include full Home Condition Reports, and that this is a product that the market can deliver. Communities and Local Government is working with stakeholders to facilitate the voluntary take-up of the full Report, and has invested resources in promoting and developing it for consumers.

How much?

The Government state that “The cost to sellers of Home Information Packs will be set by the market.”  PROinspect feel that pack prices will probably be hidden in extra commission charges. However the advantages of this will be heavily offset by paying far over the actual cost of the pack and being tied to an Estate Agent.

Using a network of Surveyors and Inspectors our target is to be the most cost efficient supplier of cheapest supplier of EPC’s, HCR’s and HIP’s to the private purchaser. Offering an industry leading service utilising the skills of Chartered Building Surveyors to decide which is the best Inspector/Assessor to use for each Home – unlike many Countries, Homes in England are highly varied and sometimes only the most Specialist Consultants will be needed to ensure your best interests are met

What do you get for your money

Normally PROinspect will provide you with:

• One printed pack bound
• An electronic version for display purposes
• EXTRA copies can be order on-line or through us.

By the way our hardcopy Packs are CARBON NEUTRAL and come with the highest security built into them. Indeed, our Publishing House supplier is one the largest and most sophisticated in Europe and is right on our doorstep locally. You will not need to worry about all the paper your HIP is creating or its effect on our environment.

Example Report

An example of a Home Condition Report can be downloaded here (directly from the government website):
Download an example of an HCR report

Data from this page comes from the Governments website on HIP’s

What is an EPC?

The Energy Performance Certificate is broadly similar to the certificates found on many domestic appliances they tell you how energy efficient a home is on a scale of A-G. The most efficient homes – which should have the lowest fuel bills – are in band A.

The Certificate also tells you, on a scale of A-G, about the impact the home has on the environment. Better-rated homes should have less impact through carbon dioxide (CO2) emissions.

The average property in the UK is in bands D or E. The Certificate includes recommendations on ways to improve the home’s energy efficiency to save you money and help the environment.

Unlike many Countries, Homes in England are highly varied and sometimes only the most Specialist Consultants will be needed to ensure your best interests are met

How much?

The Government state that “The cost to sellers of Home Information Packs will be set by the market.”. PROinspect feel that pack prices will probably be hidden in extra commission charges. However the advantages of this will be heavily offset by paying far over the actual cost of the pack and being tied to an Estate Agent.

Using a network of Surveyors and Inspectors our target is to be the most cost efficient supplier of EPC’s, HCR’s and HIP’s to the private purchaser. Offering an industry leading service utilising the skills and expertise of Chartered Surveyors.

Examples

(By the way – these two graphs must form part of Estate Agents Details in future – we can provide them, even to those of you that may be selling your own home privately).

An example of an Energy Performance Certificate can be downloaded here (directly from the government website):

NEED ADVICE?

Try the SEARCH Box facility (below, left), click on an Article Heading (below, left) or simply read on….

• BUILDING SURVEYS with or without VALUATION advice
• HOME VALUATIONS by an RICS Registered Valuer
  
• HOMEBUYER REPORTS or SELLER SURVEYS
• AUCTION or QUICK-WALK-THROUGH Appraisals
  
• Update your BUILDING INSURANCE SUM INSURED
• Is DAMP REALLY DAMP or actually CONDENSATION as a result of your lifestyle?
• Is that CRACK the beginnings of SUBSIDENCE?
• Divorce or Negligence Court-Compliant EXPERT WITNESS Reports/Valuations.

Hello, I’m Stuart Parrett. I am a truly independent, knowledgeable and experienced Chartered Surveyor and housing specialist. I am in the PEOPLE and HOMES Business where Information Discovery is all important.

I survey homes for faults and worth/value but it is not what I do but HOW that separates PROinspect from competitor surveyors.

THE HOUSE DOCTOR IS IN:

HOW CAN I HELP YOU?

SOMETHING of VALUE for you —-

1-  Do you have a SEPTIC TANK DRAINAGE system?

NEW Environmental Permitting Regulations cover even old septic tanks, which may previously have escaped regulation, but are now controlled and must be formally registered with the Environment Agency by 1^st January 2012. Failure to register is a criminal offense. Click this link PrivateDrainageChanges2012 for an Environment Agency Brochure that explains all.

2-  CONDENSATION SEASON IS UPON US – have you looked in the back of the wardrobe recently or in “that corner”?

Cold = drop in dew point = cold surfaces will attract condensate: Quick Fix – create airflows and reduce the amount of vapour in the air. Longer Term Fix = Raise the wall temperature by lining it with XXXX; properly kill off mould spores; introduce sensors that apply venting or temperature changes to the environment. Simple.

What often works is opening the window for as long as possible during and after sleeping/baths/showers/cooking (this removes water vapour that then cannot condense on your clothes and walls). You loose heat during this process and so you need to learn how to achieve these goals intelligently without icicles forming on your nose.

For more information on me, my CV etc… – click here and scroll down. Alternatively, look me in the eye by watching a short VIDEO – CLICK HERE. TheHouseSurveyor at YouTube will also deliver several important messages for those looking to purchase or those you wish to become Residential Surveyors and/or Valuers.

Those who have kindly provided testimonials for me say that I can be considered a safe pair of hands, somebody who is a real communicator and a provider of detailed and robust opinions.

Good reasons for using me in the central south coast area include that I take the time to listen to you and then help you make the right choice of survey product and have it completed at the right time. After this I genuinely communicate with you and don’t simply mail a report to you and that is it. No, I am always available for questions and meetings because you need to be re-assured your purchase is both a wise investment and you are not buying a problem.

I protect the biggest investment you’ll ever make in your life – your home – and I work with you every step of the way…..

I’ve brought together a lot of valuable information to help you organise property problems, alterations, private surveys and other services surrounding ownership, maintenance, sales, purchases and Expert Witness Reports.

CALL ME for a free chat and advice on 078 3636 3040 —

• THE GOLDEN RULES OF SELF-PROTECTION DURING HOME BUYING =

1. When your “offer” has been accepted make sure you already have a loan deal secured in principle
2. Make sure you DO NOT agree to a combined Loan Valuation and Private Survey
3. Actually speak to a Surveyor (PROinspect down south) – do not accept an Assistant or a Secretary
4. Find out your Survey Product options, fee costs and the manner in dealing with any special concerns you have
5. Do not fall for quick deals or “linked” services often packaged by costly middlemen Agencies.

STUART PARRETT

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Browse the site and when you’re ready to ask for advice give me a call or fill in the Form on the right. To get the best out of us you need to be briefed as to your options, survey costs and a lot more. As a starting point be as specific as you can as to what you need from us – use the CONTACT FORM (top right on your screen): EG: Detached house – perhaps 50 years old – £400,000 agreed – Building Survey with Valuation needed – being sold by XXX Estate Agents.

PROinspect are led by Stuart Parrett who has an unrivalled pedigree as a specialist Home Surveyor of over 35 years Hampshire experience.

If you wish to read even more of my views on a host of house and survey matters go to ezinearticles.com by clicking of the above icon. Or follow me at Twitter (@SurveyAuthority).