CarpForum - Fishing Forum
  Already registered? [Log-In]  New user? [Register]

Want 11,000+ anglers a day to see your product or service?  Click HERE to see how
Home Who's Online Member List Gallery Downloads Fish Ins Weather
Rules / Usage Help / FAQs Search Articles The Carp Shop Fishy Forums
  New Posts: 0
   House Insurance question??
 [Log-In]  [Register] 
jimmyAd is not surfing CarpForum at the moment
View the profile of jimmyAd (Jim)
Contact details supplied to MODs
jimmyAd
Posts: 8247
   Old Thread  #18 10 Jan 2019 at 10.09pm Login so you can post / reply  Register so you can join in!
In reply to Post #17
Yeah thatís what it is on mine and Iím pretty sure thatís in most cases
mickey is not surfing CarpForum at the moment
View the profile of mickey (Michael)
Contact details supplied to MODs
mickey
Posts: 774
   Old Thread  #17 10 Jan 2019 at 9.43pm Login so you can post / reply  Register so you can join in!
In reply to Post #16
£1000 access on subsidence.
jimmyAd is not surfing CarpForum at the moment
View the profile of jimmyAd (Jim)
Contact details supplied to MODs
jimmyAd
Posts: 8247
   Old Thread  #16 10 Jan 2019 at 9.25pm Login so you can post / reply  Register so you can join in!
I think Iím right in saying that the policy excess on subsidence will be a lot more than a normal claim
fishie is not surfing CarpForum at the moment
View the profile of fishie (Gary)
Contact details supplied to MODs
fishie
Posts: 984
   Old Thread  #15 10 Jan 2019 at 7.05pm Login so you can post / reply  Register so you can join in!
In reply to Post #12
I bet they will class it as fair wear and tear, and say itís not covered! But keep on at them 😀 get an independent report as the insurance companies on both sides will wriggle and squirm blaming each other. Watch the builder they send out as he will be a mitigator working for the insurance company and not for you. Get your own pictures every step of the way as we had previous with a major building company and NHBC who at a meeting over building issues were very selective over pictures taken over building work and half way through the NHBC were siding with the builder until we showed them a complete set of photos taken step by step!

Hopefully it all goes well for you 😀
vossy1 is not surfing CarpForum at the moment
View the profile of vossy1 (J.p)
Contact details supplied to MODs
vossy1
Posts: 3364
   Old Thread  #14 10 Jan 2019 at 6.01pm Login so you can post / reply  Register so you can join in!
In reply to Post #12
I would imagine they'd seek to recover the claim from the 3rd party.

Sir_Blankalot is not surfing CarpForum at the moment
View the profile of Sir_Blankalot (Bob)
Contact details supplied to MODs
Sir_Blankalot
Posts: 10902
   Old Thread  #13 10 Jan 2019 at 4.32pm Login so you can post / reply  Register so you can join in!
In reply to Post #12
800mm for a conservatory sounds ok to me.
If you need specifics about insurance than perhaps Spod on here can help he works in that field
Hope you get it sorted
mickey is not surfing CarpForum at the moment
View the profile of mickey (Michael)
Contact details supplied to MODs
mickey
Posts: 774
   Old Thread  #12 10 Jan 2019 at 4.23pm Login so you can post / reply  Register so you can join in!
In reply to Post #6
I am a professional timeserved Bricklayer ..... I built my own base ď dug my own footings & concreted my own strips and cast the slab ď so yes ! ď deep enough ď .... 800mm to clay bottom which is more than adequate for a conservatory .
No roof has been changed ( Perspex & plastic )
No building regs are required as already stated.
The house insurance have been and videoí d the whole area ,
The Insurance called me this morning & stated ď they believe the damage is caused by third party vegetation
( Ivy ) .
After all the conservatory is 10 years old .... ( why subside now )
They are now going send someone ( building contractor) around to dig a trial pit in that corner .
So I guess the damage could be caused by Ivy ..... roots will search & clay will shrink in long period of hot summer spells , maybe causing a small void under the concrete strip ( hence subsidence) .

Just wasnít sure how house insurance worked ..... do they claim from the third party if a third party is at fault ?...... do they not pay out at all if itís down to a third party ? Or would my insurance cover it ?

Thanks
Mick
Mr-Blonde is not surfing CarpForum at the moment
View the profile of Mr-Blonde (Andy)
Contact details supplied to MODs
Mr-Blonde
Posts: 1625
   Old Thread  #11 9 Jan 2019 at 9.07pm Login so you can post / reply  Register so you can join in!
In reply to Post #8
No real planning is needed as long as its within permitted development rights and below a set % versus the size of the house etc.

Regarding being integral your right, that means there should be a door between the house and conservatory and any heating should be separate to that of the house or at least have its own set of controls. take the door off and your breaking building regs.

No real set rule to footings, should be based on the actual's not a recommendation.
The problem with conservatory footings is like you the punter goes for the cheap option (builder recommended), mainly because it's a PVC conservatory with a dwarf wall, what you describe will take that, but years later someone decides to change the roof to glass or chuck up a full height wall down one side or change the whole PVC conservatory to a brick build, this is when you get the problems described in the OP.

One other thing, once you make a claim all your future premiums will go through the roof, if you think you'll get away with not mentioning subsidence when your policy is next up for renewal then i suggest you Google "National Hunter", once you appear on their files you will be ****ed for financial/insurance products for ever more.
Josh_shepz is not surfing CarpForum at the moment
View the profile of Josh_shepz (Josh)
Contact details supplied to MODs
Josh_shepz
Posts: 11937
   Old Thread  #10 9 Jan 2019 at 8.28pm Login so you can post / reply  Register so you can join in!
In reply to Post #8
Not sure on the building regs aspect for conservatories but the depths quoted are compliant for single story extensions.

I know my mums when it was knocked down was only on a 300mm solid base. Mind you, soís the three bed house
ip100 is not surfing CarpForum at the moment
View the profile of ip100 (Ian)
Contact details supplied to MODs
ip100
Posts: 7178
   Old Thread  #9 9 Jan 2019 at 8.26pm Login so you can post / reply  Register so you can join in!
In reply to Post #1
No idea on the insurance, but there is no chance a bit of ivy has caused subsidence. Insufficient footings in one way or another will likely be the cause
Sir_Blankalot is not surfing CarpForum at the moment
View the profile of Sir_Blankalot (Bob)
Contact details supplied to MODs
Sir_Blankalot
Posts: 10902
   Old Thread  #8 9 Jan 2019 at 8.20pm Login so you can post / reply  Register so you can join in!
In reply to Post #7
Perhaps things have changed but when I done my conservatory about 15 years ago many conservatories didn't need building regs if they didn't become an integral part of the house and were judged to be simple out houses.
The conservatory was a set size rather than made to measure and came with assembly instructions, they recommended something like 400to450mm deep footings
Seeing as it was only a conservatory and not an extension I took advice and went for one metre.
Josh_shepz is not surfing CarpForum at the moment
View the profile of Josh_shepz (Josh)
Contact details supplied to MODs
Josh_shepz
Posts: 11937
   Old Thread  #7 9 Jan 2019 at 8.01pm Login so you can post / reply  Register so you can join in!
In reply to Post #1
A metre to solid ground or more if soft ground? 2m or more if a tree is nearby (canít remember the distance) to meet building regs.

Mr-blonde, great point about the roof, Iíve been asked to fit windows on a sinking extension built off a conservatory base from the roof weight.
Mr-Blonde is not surfing CarpForum at the moment
View the profile of Mr-Blonde (Andy)
Contact details supplied to MODs
Mr-Blonde
Posts: 1625
   Old Thread  #6 9 Jan 2019 at 7.43pm Login so you can post / reply  Register so you can join in!
In reply to Post #1
The Ivy is nothing to do with it.

You will not get a pay out from your neighbours insurance.

You can claim on your own buildings insurance but unlikely to get a payout without them doing any checks on the conservatory footings and probably unlikely full stop.

How do you know the foundations are deep enough? Are you an expert?

Have you changed the conservatory roof since it was built?
heathrow is not surfing CarpForum at the moment
View the profile of heathrow (Heathrow)
Check out the gallery of heathrow
Contact details supplied to MODs
heathrow
Posts: 8253
   Old Thread  #5 9 Jan 2019 at 7.26pm Login so you can post / reply  Register so you can join in!
In reply to Post #4
But he is allowed to plant whatever he wants in his garden ............ there is no way an ivy Bush would cause a foundation to fail ...... more likely it's down to the very bad winter with all the snow making the ground very wet then the very hot summer and the ground drying out that has let the foundation move....... don't think you will get anywhere with his buildings insurance

Hope you get it all fixed
mickey is not surfing CarpForum at the moment
View the profile of mickey (Michael)
Contact details supplied to MODs
mickey
Posts: 774
   Old Thread  #4 9 Jan 2019 at 5.42pm Login so you can post / reply  Register so you can join in!
In reply to Post #3
The corner that has drop too ... is where the base of the Ivy bush is .... so surly must be a contributing factor ten years on .
any reply to the first question would be helpful.
Thanks
Page: 1 of 2  
  
  © Copyright 2002-2019  -  www.CarpForum.co.uk contact : webmaster@carpforum.co.uk