So a quite a few months on and I still haven't taken the plunge had a new quote for £2800 with Protek which includes 2 visits the roof is on now , I am getting the impression it is a waste of money but you don;t know what is round the corner we don't intend to move in the next 10 years but you never know, if retrospective is only a few hundred quid more I am tempted to take the risk and leave it , one of my concerns is if there is a problem with the structure etc but I am assuming once complete a standard building insurance policy will cover any defects etc is this correct? I'm really struggling to part with my money on this one as you have probably guessed, plus someone else has mentioned about an extra charge for CDM .