Dotty

Yes Protek are full couldn't insure anything just now. The quote I had have now come back and can reduce by half but only one site audit and a structural warranty on completion. the other quote was for several site audits and 10 year structural. Trying to find out if this would make a difference to a lender should we have to sell at some point and they don't think that is such a good warranty? presumably not so many checks so not so thorough so I pay more for the premium but less for the site audits- still it's a saving of 3k Our builder is very good so we are not particularly concerned about him, more the reassurance that we would not have any problems should the worst happen and we need to move. Had a recommendation of an architects structural warranty for ten years ( but I know a lot of lenders wont take this) I have had a quote from selfBuildzone from the form they look pretty similar to Buildcare etc. CRL were recommended but looks like a law firm are taking their calls and their quote number is unobtainable...

I understand that is difficult to do and more expensive also some insurers wont even touch it if it is 6 years after the build. It seems they like to be involved before you break ground? on phoning around there are lots of stipulations and caveats to insurances.

Hi Just about to start our first self build but no idea how long we will be living in it for and therefore want the peace of mind of a structural warranty so no barriers to sale. we live in Scotland and the quotes I have got seem crazy money (£6k) the rebuild cost is only 235k - has anyone else had a similar problem? - not sure if the insurance market has gone crazy after Grenfell/covid or its just a Scotland/location thing? Our builder is really surprised as the price has gone up by so much. Any advice greatly appreciated - I spoke to consultant architects about an architects cert and they didn't recommend and nor did our own architect want to do a cert for it as lenders are not keen . we are not borrowing to do the build its more so no issues with a sale at a later date Many thanks