Since 2002, all replacement windows and doors require a FENSA certificate of compliance with building regulations. The responsibility for compliance rests with authorised installers who provide a certificate (the FENSA certificate) to evidence compliance. This document is required by purchasers in the event of the property being sold. If it cannot be provided then insurance can be provided in its place.
In what circumstances is cover required?
FENSA indemnity insurance is required where there is no appropriate evidence of compliance with building regulations or there is a lack of the required certification.
This cover is generally provided on the same basis as any other lack of Building Regulations/Lack of Planning Permission policy.
Risks covered: loss of market value, damages and expenses arising in complying with any enforcement notice/proceedings served by the appropriate authority.
Exclusions: policies do not cover the cost of the replacement of defective doors or glazing.