Cutting to the chase before explaination - does anyone here know of=20
normal/reasonable levels of liability insurance that a builder would be=20
expected to have for private residential building work in the s/w London=20
Background... about to have builder starting extending kitchen to fill=20
in the "side return" of a typical late Victorian terrace.
Neighbour, originally perfectly fine with the plans, decided she didnt=20
want it all halfway through the design process so there was=20
unfortunately no chance of amicable agreement and shaking of hands over=20
party wall act stuff (excavation > foundation depth within 3 metres,=20
building to boundary wall, etc). Served with notices, she appoints a=20
party wall surveyor who later and with much persuasion reluctantly=20
agreed that he could be appointed as independent mutually agreed=20
surveyor (else I have to pay for two surveyors).
Well, he has dragged on the drawing up of a party wall award for about 7=20
weeks now - impossible to get hold of, never returns calls, etc - and=20
now at the 11th hour decides that he wasn't going to release the award=20
(agreement) until builder deposited with him a copy of his insurance and=20
also a detailed method statement. He's sat on the insurance certificate=20
for a couple of days and now come back with a demand that he double it=20
as it is insufficient.
Builder is covered for =A31m liability for building works and =A31m public=
liability. It's enough to rebuild next door from the ground three times=20
Builders insurance brokers are somewhat puzzled - they reckon that this=20
is the norm for their other building companies carrying out similar=20
work. My father (FRICS building surveyor for 40+ years) is=20
incandescent, but his experience is all in the North.
So, if anyone does similar work, or has any direct experience of this=20
then I'd be very interested to hear of what reasonable level of=20
- posted 12 years ago