Unapproved Building Work

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DIY claims
However, research from Churchill Home Insurance proves they might do better to get the pros in instead, as DIY claims double during the Easter holiday.* Britons spend a total of £11 billion a year, or £257 per head, on DIY, with some spending up to as much as £1800.** With that amount of spend as well as potential damage to the home, there is plenty of scope for costly DIY disasters. Painting / decorating (72%). which home insurance. home insurance how much. home purchase insurance Read more...

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Wednesday Nights Cost 127m
Saturday night - South-West, West Midlands. Friday and Saturday nights come second in the crime prime time stakes, with criminals making the most of nights when properties are most likely to be unoccupied, while another week night, Thursday night, tops the list for London and the South-East. Friday night - Yorkshire & Humber, East Midlands. which home insurance. home insurance how much. home purchase insurance Read more..

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Unapproved Building Work

which home insurance. home insurance how much. home purchase insurance

Unapproved Building Work

BRITS WASTE 313MILLION ON UNAPPROVED BUILDING WORK. Brits wasted £300 million1 on home building projects last year because they ignored, were unaware of the need for, or misinformed about planning rules. New research from DirectLineInsurance reveals that one in five (20 per cent) Brits don’t know that homeowners are responsible for gaining planning permission. The research also reveals that unapproved building projects are on the rise with 10 per cent more breaches in planning permission reported in 2005 than the previous year.2 The DirectLine survey results support this trend as almost a quarter (23 per cent) surveyed stated that they would be prepared to put up a conservatory without the proper planning permission.

Lost Fortune
“The good news for people losing money around the home is that much of it comes to light during cleaning or whilst re-decorating.” Furthermore, the survey also shows that Brits are losing large sums of money outside the home. *£2,254,663,209 = Total £ lost inside the home over the last year (1,637,736,152) + total £ lost outside the home over the last year (£616,927,057) ** Respondents were asked whether they had lost money in their own home. which home insurance. home insurance how much. home purchase insurance Read more...

Building professionals also bear some responsibility for this increase with close to one in ten (7 per cent) building projects in the UK delayed or cancelled3 because a building professional wrongly told the homeowner that planning permission was granted. In 2005, delayed or aborted projects cost an average of £10,441, which means that an estimated £313million was wasted by homeowners. Meanwhile, homebuyers are also counting the cost of unapproved building work with 3.5 million reporting that they moved into a new home only to discover unsound or unapproved work. Nearly one in five (18 per cent) found that their loft conversions were not approved, and five per cent garages or carports, after purchasing their home. Direct Line Home spokesperson Simon Ziviani, comments: “The extent of unapproved building work is extremely concerning, as are the number of homeowners who appear to be unaware of the rules.

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Not obtaining planning permission or ensuring that building regulations are complied with may make a property unsaleable and, more seriously, structurally unsound. “We would advise all homeowners to make sure they are aware of the legal requirements before undertaking any building work. “We would further advise new homeowners who discover that unapproved building work has been carried out to seek legal advice as they may be entitled to request sellers to seek retrospective planning permission or to correct unapproved works.” For more information on the rules surrounding building work and planning permission, visit planningportal.gov.uk. DireciLine’s Family Legal Protection offers policyholders access to legal advice on a variety of issues including those relating to home ownership. Top five unapproved projects discovered by homebuyers.

Winter can drain cash.
- Costs £2.50 per month with no call-out fee. 16/12/2004 According to weather forecasters, the chance of a white Christmas may be low but cold snaps and severe frosts are still expected before the end of the year bringing widespread disruption and damage to property. Key features of cover are:. “The weather is the biggest cause of the worst domestic emergencies. which home insurance. home insurance how much. home purchase insurance Read more...

Ground floor extensions 16 per cent Loft conversion 10 per cent. Conservatory 9 per cent. Garage/car port 5 per cent. Partitions (fences, walls) 4 per cent. Tips on avoiding planning pitfalls. 1. Discuss everything first – make sure you talk to your neighbours and local council early to avoid complications once works have begun. 2. Make sure you have a professional draw up proper plans and have them approved by a building engineer if structural. 3. Plan your budget – don’t take the risk of trying to guess the cost yourself. A good move is to ask an estimator to do this for you, such as www.estimators-online.com. You can then work to an appropriate budget. 4. Contingency fund – make sure you leave yourself saving in place should the building go over budget, 10-15 per cent is the recommended amount.

Wossy's home
Asked which celebrities we thought had the happiest homes, two TV presenters were clear winners:. Jamie Oliver with over one-fifth of votes and chat-show host Jonathan Ross was way ahead with nearly one-third. Wossy's home 28 July 2005The 'Quote Me Happy' insurance people Norwich Union have come up with some amazing facts regarding the way we feel about the home lives of the rich and famous. which home insurance. home insurance how much. home purchase insurance Read more..

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Electric Guitars - a must have.
We have recently dealt with a claim for computer equipment used to make music that has been stolen from a musician’s house,” explains Michael. However, as specialist musical instrument insurance has been designed for musicians of all abilities, it automatically provides all the cover budding or experienced musicians need.” An Allianz Cornhill Musical Insurance policy costs from £30 and comes with the following cover as standard:. which home insurance. home insurance how much. home purchase insurance Read more...

A bargain at the tip
“The majority of home contents insurance policies offer ‘new for old’ replacement cover, so when working out the value of your contents the key is to calculate the replacement value of items and forget about what was initially paid for them – if anything at all.” Editor’s Note:. ** Based on extrapolating research (source:. which home insurance. home insurance how much. home purchase insurance Read more...

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