Building Regulations Indemnity Insurance

Background:

Most major building alterations or changes in use of a property require confirmation that building regulations have been complied with. In some circumstances, the relevant permission and/or building control sign-off were not obtained or the relevant documentation, such as a building regulations certificate or evidence of building control sign off, has been lost or mislaid.Works carried out to the house without the necessary certification can cause major problems both short-term, and down the line.

The relevant permissions and certification will usually be required by a purchaser, and buyers and their conveyancing solicitors will typically request this during the purchase process.

In most cases a build regulations indemnity insurance can be provided avoiding the need to apply for retrospective permissions and documentation.

In what circumstances is cover required?

Where there is a lack of the relevant evidence that building regulations or there is a lack of the required certification in respect of:

• Extensions/additions/alterations carried out to the property
• Conversions and/or alterations undertaken
• New/replacement doors/windows having been installed (see also Fensa Indemnity)
• Installation of a new or replacement boiler
• Electrical alterations
• Electrical alterations
• Structural works or major alterations requiring assessment by a structural engineer

 
A final inspection by building control is required for structural works, and a structural engineer may be needed to assess compliance.

See also Lack of Boiler/Electrical Installation Certificate; Lack of Planning Permission

Product features:

Risks covered: loss of market value, damages and expenses arising in complying with any enforcement notice/proceedings served by the appropriate authority.