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Green Building Bible, Fourth Edition
Green Building Bible, fourth edition (both books)
These two books are the perfect starting place to help you get to grips with one of the most vitally important aspects of our society - our homes and living environment.

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    • CommentAuthoran02ew
    • CommentTimeMay 7th 2018 edited
     
    Has anyone who uses pi insurance been hit as I have with a huge raise in there pi insurance rentention for cladding related claims a retention of any one claim of 25k is stated on my policy and that all cladding related claims are liable not just fire? I am currently waiting for there reply on a fuller definition on cladding and an expaination to there proposed risk of a two storey dwellings or extension with beautiful larch timber cladding or modern metal cladding.

    Are not all vertical elements in building clad? Dormer checks, all timber frame construction, in fact any outer skin of a two skin wall is essentially cladding to the structural inner skin?
  1.  
    What kind of PI insurance? Are you an architect/designer?
    • CommentAuthorIan1961
    • CommentTimeMay 9th 2018
     
    No increase in PI for me however insurers want cladding on any buildings taller than 18m to be designed by a specialist
    • CommentAuthoran02ew
    • CommentTimeMay 9th 2018
     
    i am a design/builder, however i was informed by my insurer(NFU mutual) that the PI insurance covers all faulty (substandard) building work that has caused failure or damage? so given my heads is very definitely on the block with design and build im keen to get id sorted.
    • CommentAuthoran02ew
    • CommentTimeMay 9th 2018
     
    Posted By: Ian1961No increase in PI for me however insurers want cladding on any buildings taller than 18m to be designed by a specialist

    are there specialist cladding designers?
    •  
      CommentAuthorfostertom
    • CommentTimeMay 9th 2018 edited
     
    Yes, at the v expensive cutting edge level https://www.wintech-group.com. At our kind of level, the specialits would be suppliers with their own designer/specifiers.
    • CommentAuthoran02ew
    • CommentTimeMay 10th 2018
     
    Posted By: fostertomAt our kind of level, the specialits would be suppliers with their own designer/specifiers.


    and what about for timber cladding (locally sourced larch or cedar) from the small company?


    i'm annoyed my small business being lumped into the same group as multi-million £ businesses that are tendering for the huge contracts that can easily afford the 25K redemption clause, its very easy for insurers to make blanket rules, its take time however to individually assess each insured.
    •  
      CommentAuthorfostertom
    • CommentTimeMay 10th 2018
     
    Totally sympathise. bastards
  2.  
    Insurance companies are in it for a profit and their customers get the advantage of spreading their risk over a larger base so the averaging works for both sides. When a new event occurs then insurance co. will asses the new event (risk) and act accordingly. Nothing new there! Doubtless when things have settled down (selected) customers may be able mitigate the redemption clause by an additional premium, a bit like optional excess on car insurance.

    At the end of the day the insured designers will have to pass on the additional costs to their clients be it additional insurance costs or the cost of bought in specialists so the cost will go on the fees charged for a new build or referb. - The customer will pay in the same way as they pay for PI insurance today and doubtless will winge about the cost of the fees the same as they do today.

    I can see the need for sign off by a specialist for certain classes of work a bit like the need for SE sign off and over time perhaps a deemed to comply tables / standards a bit like joists and rafter tables. The market is still coming to terms with the new implications and I am not surprised that a high profile incident will rattle through the industry.
    • CommentAuthoran02ew
    • CommentTimeMay 10th 2018
     
    Just heard from my insurers, that the underwriters have refused to define cladding any further and are comfortable with vagueness of that terminology😖
    • CommentAuthorlineweight
    • CommentTimeMay 10th 2018
     
    Time to ask some other insurers perhaps.
  3.  
    Posted By: an02ewJust heard from my insurers, that the underwriters have refused to define cladding any further and are comfortable with vagueness of that terminology😖

    Gives them 'flexibility' in the event of a claim and more work for the lawyers - who also have (expensive) PI

    BTW I am no friend of the insurance industry - having had a friend of mine ripped off at Lloyds some years back
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