Showing posts with label Buying a House. Show all posts
Showing posts with label Buying a House. Show all posts

Monday, July 23, 2018

Japanese Knotweed - Not a weed to ignore!



Japanese Knotweed is a serious consideration for Lenders, Developers, Purchasers, Landowners, Planners and Surveyors. The impact of the discovery of Japanese Knotweed on land and buildings can prove to be significant.

Source: Charles Lyndon
Anyone who has a garden will be more than aware of the speed in which weeds will grow, which if left uncontrolled can become unsightly and overgrown very quickly. Having acquired an overgrown allotment a few years ago, which I spent many hours clearing and digging I can tell you with authority that weeds are almost impossible to eradicate and therefore need to be regularly controlled. Most varieties of weeds are harmless if regularly managed, with the exception of the odd thorny or irritant types of weeds. There is however one particular type of weed that has received increased publicity over recent years, due to the size and rate of growth. There are plenty of opinions in relation to the risk and the extent of damage that Japanese Knotweed can cause to buildings/structures and there are plenty of examples of people affected by it which has resulted in denial of mortgage applications, disputes with insurers and extensive costs in trying remove or control its growth. On the other side of the coin, recent research by AECOM challenges popular opinion and suggests ‘Japanese knotweed is no more of a threat to buildings than other plants’. The research of members of the Royal Institution of Chartered Surveyors (RICS) and the Property Care Association (PCA) who have interacted or dealt with Japanese Knotweed in one way or another found that ‘Only between 2% and 6% of respondents reported any co-occurrence of Japanese knotweed and structural damage to buildings. Our paper also concluded that where Japanese knotweed is associated with damage, it is likely that the plants will have exacerbated existing damage, rather than being the initial cause of the damage’. The results of the research are interesting and well worth a read; (Link).

Despite research by AECOM and others that suggest that Japanese is not the problem that the media would have us believe, we do live in a risk averse society. To those who buy/sell/rent and generally live in property I suspect that they will be un-swayed in their opinion and instead choose to panic at the mere mention of the words Japanese Knotweed in a similar way to which many people react to the words ‘Asbestos’ or ‘Subsidence’ etc. For those involved with property surveys and inspections it is essential to be able to identify Japanese Knotweed and to be able provide appropriate advice. This article is therefore written to provide some basic information about Japanese knotweed which can be used to supplement further reading.

Japanese Knotweed (Latin name - Fallopia japonica) was introduced into the UK as an ornamental plant by the Victorians. It originated from Asia in countries such as Northern China and Japan where it grew in harsh habitats on the slopes around volcanoes. When introduced into the UK the conditions were far more fertile than those in Asia allowing the plant to thrive. Japanese Knotweed is a Perennial Plant, meaning that it will grow for many seasons with the plant dying back in the winter and re-growing the following spring. Japanese Knotweed is capable of growing 10cm per day and it is highly invasive and capable of exposing weaknesses in buildings, foundations, concrete and tarmac. It has the capability of regenerating from minute rhizomes (a root or creeping stem), therefore there is a significant risk of spreading the plant from digging and other disturbance. Effective removal of Japanese Knotweed therefore requires a specialist, which as you would expect can be expensive.

As stated previously, Japanese Knotweed is a serious consideration for Lenders, Developers, Purchasers, Landowners, Planners and Surveyors. The impact of the discovery of Japanese Knotweed on land and buildings can prove to be significant. Land values can be reduced to take into account remediation works. It is therefore worth knowing how to identify Japanese Knotweed to firstly establish its presence and if identified how to deal with it. Devon County Council provided an excellent guide to the identification of Japanese Knotweed which is summarised below. The original link to the article is no longer active however the images and information below are still relevant:

How to identify Japanese Knotweed

  A Typical Japanese Knotweed Leaf
In the early spring red/purple shoots appear from the ground and grow rapidly forming canes. As the canes grow the leaves gradually open and turn green:


The plants are fully grown by early summer and mature canes are hollow with a distinctive purple speckle and form dense stands up to 3 metres high:


The plant flowers in late summer and these consist of clusters of spiky stems covered in tiny creamy-white flowers:


During the late autumn/winter the leaves fall and the canes die and turn brown. The canes remain standing throughout the winter and can often still be seen in new stands in the following spring and summer:

The rhizome is the underground part of the plant. It is knotty with a leathery dark brown bark and when fresh snaps like a carrot.  Under the bark it is orange or yellow.  Inside the rhizome is a dark orange/brown central core or sometimes it is hollow with an orange, yellow or creamy outer ring, although this is variable:


Japanese Knotweed and the Law

In 2016, the Environment Agency withdrew its Japanese Knotweed Code of Practice due to new government guidelines. This was replaced in March 2017, by the Invasive Non-Native Specialists Association (INNSA) new Code of Practice. Access to the new code is not as straightforward as the EA Code however you can request a copy from the following: (Link)

Below is a summary of the raft of legislation that relates to Japanese Knotweed which is taken from the Environment Agency’s Japanese Knotweed original Code of Practice.
  
Japanese Knotweed is classified as controlled waste and its disposal is strictly regulated. For example soil containing Japanese Knotweed roots/rhizomes is classified as contaminated waste and can only be taken to a licensed landfill site. Failure to dispose of Japanese Knotweed appropriately may lead to prosecution under section 34 of the Environmental Protection Act (EPA) 1990.  Also, although it is not a criminal offence to have Japanese Knotweed on your land, allowing it to grow onto neighbouring land may constitute a nuisance and as such may provide grounds for a civil action from those affected.

Other relevant legislation includes Section 14(2) of the Wildlife and Countryside Act 1981 states that '…if any person plants or otherwise causes to grow in the wild any plant which is included in Part II of Schedule 9, he shall be guilty of an offence'. Japanese knotweed is one of the plants listed in Schedule 9. Also, waste must be transferred to an authorised person, in other words a person who is either a registered carrier or exempted from registration by the Waste (England and Wales) Regulations 2011. A waste transfer note must be completed and signed giving a written description of the waste as per regulation 35 of the Waste Regulations. The Hazardous Waste Regulations 2005 contain provisions about the handling and movement of hazardous waste.

Japanese Knotweed continues to receive an increased amount of negative publicity which makes it increasingly important for those undertaking property surveys and inspections and giving property advice to be able to identify its presence and give appropriate and proportionate advice.  This article should serve as a good starting point and hopefully generate interest for further reading and research for built environment and related professions. 

Author: Gary O’Neill

Please feel free to share this article and other articles on this site with colleagues, friends and family who you think would be interested


Information/opinions posted on this site are the personal views of the author and should not be relied upon by any person or any third party without first seeking further professional advice. Also, please scroll down and read the copyright notice at the end of the blog.

Thursday, June 21, 2018

Basement Construction - Part 2 – Waterproofing



Nobody will want to deal with water ingress into a basement, especially when construction is well advanced, or even worse when the basement is occupied and in use. It is therefore necessary to carefully select an appropriate water proofing system, as failure to carry out thorough investigations and careful design can prove disastrous and particularly expensive!

Source: http://www.northernvirginiabasementwaterproofing.com/
In my previous article I discussed the growing popularity of basement construction and highlighted a number of factors that require consideration during their design. Undoubtedly one of the most significant issues in relation basement construction is how to keep the internal environment dry and therefore exclude sub-surface water. The impact of water and particularly hydrostatic pressure was highlighted: ‘Water in the ground has the ability to exert a lot of force onto the structure of the basement depending on the head or height of the water. This is something known as hydrostatic pressure. This is better defined as ‘the pressure at a point in a fluid at rest due to the weight of the fluid above it’. Basement design therefore needs to take into account the height of the water table because that will influence the amount of hydrostatic pressure that a basement structure will be exposed to. The method of waterproofing will also need to be designed to consider hydrostatic pressure’.

Nobody will want to deal with water ingress into a basement, especially when construction is well advanced, or even worse when the basement is occupied and in use. It is therefore necessary to carefully select an appropriate water proofing system, as failure to carry out thorough investigations and careful design can prove disastrous and particularly expensive! There are many specialist companies and waterproofing products on the market who offer a variety of different solutions for dealing with water ingress into basements however for the purposes of this article I will provide examples of a number of well established methods of basement waterproofing. Selection will vary depending on factors, such as ground conditions, the height of the water table, the method of basement construction, the proposed use of a basement and as ever, cost.

Source: http://quality-waterproofing.com/
When considering an appropriate way of waterproofing a new basement it is advisable to review the recommendations within BS8102:2009 ‘Code of Practice for Protection of Below Ground Structures Against Water from the Ground’. The standard advises on the types of waterproofing available and confirms the performance grade to be achieved:

Type of Waterproofing:

Type A (Barrier) protection - A barrier to water ingress is applied to the inner or outer surface of the structure

Type B (Structurally Integral) Protection - The structure is formed as a watertight construction and requires no additional protection

Type C (Drained) Protection - Water entering the structure is received by planned cavities or voids and safely removed

Grades of Waterproofing Protection:

Grade 1 - Some water seepage and damp is tolerable depending on the intended use. Car parking, plant rooms etc.

Grade 2 - No water penetration is acceptable. Damp areas are tolerable depending on the end use. Plant rooms, workshops etc.

Grade 3 - No dampness or water penetration is acceptable - Ventilated residential and commercial

Type A (Barrier) Protection relies totally on a waterproofing membrane to keep water permanently out of the internal basement environment. Concrete and blockwork are typical examples of materials used in basement construction, however these materials are highly porous, particularly in concealed enclosed environments such as below ground. Masonry materials have the ability to absorb high volumes of water, which once saturated will seep through to the internal environment. Barrier protection, often referred to as tanking is a method which prevents water saturating through the basement wall with the provision/application of an impervious membrane to the internal or external face of the wall. Tanking can also be provided within the structure, something referred to as sandwich tanking, although this method is less commonly used.

In my early years working as a labourer for a ground works Contractor, I remember a particularly project where I was required to paint the external face of a number of in-situ concrete constructed lift shafts, at their bases, with a liquid bitumen paint, which was referred to as ‘black jack’. At the time, I never really understood why it was necessary to paint concrete walls that were going to be buried in the ground, until someone explained that what I was doing was providing waterproofing protection.

Nowadays there are many products on the market in the form of brush applied surface coverings, trowel applied renders and rolled sheet applied materials such as elastomeric which are used for tanking solutions for basements. The success of a tanking method will be determined by the selection of the correct method as well as the quality of the installation. Many tanking solutions require installation by approved contractors and although these systems may seem expensive, it is worth considering the likely disruption and excessive cost of trying to rectify water ingress to a basement when it is occupied!

Type B (Structurally Integral) Protection relies on the basement structure itself to be robust enough to resist water ingress. In most cases the external basement structure will be constructed with concrete which must be designed to minimise joints as well as being cast with plenty of reinforcement to reduce the risk of cracking. It is not uncommon for concrete basements designed to achieve structural integral protection to include additional waterproofing measures to provide a barrier against water and water vapour. This may include the introduction of waterproofing admixtures into the concrete mix in order to help reduce porosity and drying shrinkage.

Structural integral protection will nearly always have a cooler internal surface temperature compared to other forms of waterproofing and such will be more prone to the effects of condensation. It is therefore necessary to additionally consider control of atmospheric moisture with the possible installation of controlled ventilation fans and de-humidifiers.  Clearly the design solution will depend upon grade and proposed use of the basement and additional measures may not be required in all situations

Type C (Drained) Protection takes the view that some water will be allowed through the external basement structure, however it will be dealt with or controlled when it arrives.  Drained protection may be a possibility in heavily waterlogged ground, possibly with a high water table or where for other reasons it will prove difficult to prevent moisture entering into an internal basement environment.  Any water that enters into the basement is gathered and disposed of in an appropriate way.

Drained protection usually takes the form of a raised floor and an additional membrane or wall installed/constructed in front of the main basement structure with a small cavity in between. Any water that finds its way through the main basement wall will seep behind the cavity (wall and floor), where through design the water will be channelled to a sump, which is basically a low point that will collect water, which is then usually pumped away from the basement.  Internally, there may be water entering the basement but this is concealed within the cavity. Therefore the internal basement environment remains dry.

As you would expect there are a number of disadvantages with the use of drained protection: Due to the installation of as wall and floor cavity there could be a loss in floor to ceiling height and useable space and pumps will need regular maintenance. There is also a possibility that high hydrostatic pressure will result in excessive amounts of water through the basement structure, which may not be able to be effectively drained. This will however be avoided with suitable design.

It is clear that waterproofing of a basement takes careful consideration, where the method of waterproofing should be determined by the range of different factors discussed above. Failure to understand ground conditions, including the impact of water in the ground, together other site conditions/restraints may result in the selection of a waterproofing system that is not fit for purpose. It is therefore always worth seeking specialist advice as remedial works will often prove to be very expensive.

Author: Gary O’Neill

Please feel free to share this article and other articles on this site with colleagues, friends and family who you think would be interested

Information/opinions posted on this site are the personal views of the author and should not be relied upon by any person or any third party without first seeking further professional advice. Also, please scroll down and read the copyright notice at the end of the blog.

Friday, June 15, 2018

Basement Construction - Part 1 - Design Considerations



When considering whether to construct a basement it is first worth weighing up the advantages and disadvantages, and then also thinking about a number of design considerations which will undoubtedly impact on the construction method, waterproofing, safety, usability and ultimately, costs

Source:Homebuilding & Renovating
An article in the London Evening Standard from 2013 (link) highlighted the growing popularity of basement construction, particularly where land is at a premium or restricted above ground. The scale of the proposed basement construction in the article was extensive to a point where it generated a section 106 contribution of £825,000!:

A millionaire hedge fund boss digging out a basement eight times the size of a typical London home has been ordered to pay £825,000 towards affordable housing in his area.
Kensington & Chelsea council planners said the two-storey, 9,160sq?ft basement — complete with cinema room, swimming pool and whirlpool spa — is the biggest they have been asked to approve. The scale of the extension, below two large Notting Hill villas which have been turned into a single family home, means it has fallen foul of rules that normally apply only to major commercial developments.

The fashion for digging out super-size basements to create so-called ‘iceberg homes’ in London, and the prospect of years of disturbance during excavation, has pitted residents against each other in some streets ......... neighbours are said to be horrified by the scale of the works which will involve scores of lorry loads of earth being removed from the site. One said: “It will certainly be one of the ‘iceberg houses’ and sadly, our house will probably be the Titanic.” The number of applications for subterranean spaces in Kensington & Chelsea has soared in recent years.......

Although the news article identified above is a rather extreme example of a residential basement construction it does demonstrate an alternative way of providing valuable useable space when above ground construction may be restricted or unavailable. Basement construction is still considered a less conventional method of adding space compared to above ground construction and is often instigated by those who are prepared to challenge the conventional norm and think outside the box. There are however many examples of residential buildings throughout the UK where basements were constructed as a normal part of the building process. Houses built during the Victorian period provide a typical example of where basements were commonly constructed and nowadays, these Victorian basements are often converted and refurbished to made them part of the useable habitable space within a dwelling.

When considering whether to construct a basement it is first worth weighing up the advantages and disadvantages, and then also thinking about a number of design considerations which will undoubtedly impact on the construction method, waterproofing, safety, usability and ultimately, costs.

Source: Source: http://basementwaterproof.com/
Clearly basements can add space and value to a property and it could also be argued that security can be less of an issue as there will be less accessible entry points into a basement, as by its very nature the structure in buried in the ground. Also, as long as the basement is waterproofed appropriately (something I will be discussing in my next article), and insulated correctly, you could argue that a basement can be made energy efficient more readily that an above ground building. Conversely, the perceived disadvantages and the impact that these may have on costs will prevent a lot of people proceeded beyond the initial enquiry stage when considering basement construction.

One of the key things to consider is that by placing an enclosed structure such as a basement in the ground you are subjecting the structure to a number of different forces. The first is the presence of water in the ground. Water is a naturally occurring element in the ground and the level of this water will vary from location to location. Many will be familiar with the term ‘water table’ which can be understood as the layer below which the ground is completely filled up (or saturated) with water. Try to imagine a basement like a boat which is surrounded by water in the ground. The problem is that boats leak, and so do basements!  A basement is unlikely to sink like a boat, but because the basement is an enclosed structure it has the ability to hold a lot of water if the basement is not adequately waterproofed. Water in the ground also has the ability to exert a lot of force onto the structure of the basement depending on the head or height of the water. This is something known as hydrostatic pressure.  This is better defined as ‘the pressure at a point in a fluid at rest due to the weight of the fluid above it’. Basement design therefore needs to take into account the height of the water table because that will influence the amount of hydrostatic pressure that a basement structure will be exposed to.  The method of waterproofing will also need to be designed to consider hydrostatic pressure.

In order to design and construct a basement correctly it is first necessary to establish ground conditions. This will require a thorough ground investigation which although will have a cost attached to it, is essential at the very early stages of a project. This will also highlight the type of ground and any contaminants present together with information of water in the ground and importantly the height of the water table. Other design considerations will include; protection and stability to adjacent structures, basement depth, boundary issues including Party Wall etc. Act implications, method of excavation, temporary support, method of construction in addition to exclusion of ground water. Of course all of this will have an impact on costs and there is no getting away from the fact that constructing a basement can be very expensive.

In my next article I will consider a number of methods of waterproofing of basements and explain that the correct choice of which method to use is crucial to ensure that the internal environment within a basement remains dry.

Author: Gary O’Neill

Please feel free to share this article and other articles on this site with colleagues, friends and family who you think would be interested

Information/opinions posted on this site are the personal views of the author and should not be relied upon by any person or any third party without first seeking further professional advice. Also, please scroll down and read the copyright notice at the end of the blog.

Monday, April 23, 2018

Buying a Property – Part 2 - The Real Value of a Building Survey



Never be tempted to cut corners when considering the purchase of a property because even if you think a building survey is expensive …… it often proves to be much more expensive not to have one

Source: Daily Mirror
In my last article I discussed the limitations of a survey that would be instructed by a mortgage lender (a mortgage valuation survey) and how a purchaser should not rely on this as means of assessing the condition of a building. This is because the primary purpose of this type of survey is to establish the value of a property and to be confident that in the event of any default on behalf of the borrower, that the lender can re-coup what they are owed. The objectives of a purchaser however are very different in that they want to be satisfied that the building they plan to buy, and often live in, is not concealing anything that they are not aware of. I say ‘not aware of’ as it is perfectly feasible and acceptable to proceed with the purchase of a building as long as you are fully aware of any potential issues/problems. Let’s face it, buildings, particularly older buildings are highly unlikely to be free from defects and in fact many of us will accept buildings with issues/problems at a lower price, as a way of trying to get a bargain, this is particularly true of property developers.

Not all of us are property developers and the vast amount of residential property transactions that take place each year are by members of the public who in many cases have little to no knowledge of buildings and therefore rely on professional guidance. It would therefore seem sensible, particularly due to the large investment involved that prospective purchasers commission a survey so that they can establish if there are any issues/problems with the building they are considering buying. However, you may be surprised to learn that the vast majority of purchasers choose to ignore this very important part of the purchase process. 

Source: RMA Surveyors
The Royal Institution of Chartered Surveyors (RICS) recently reported: ‘Results from an RICS’ survey of home buying consumers, released today, show that many homeowners who did not take out a home survey are left with a property they regret buying and an average of £5,750 in repair bills. The survey of 1,017 buyers across the UK found that consumers are clearly aware of the need for independent advice, with 94% of respondents agreeing it is important to commission a survey. However, nearly a third failed to do so. This means buyers are left ignorant of issues with the property, such as structural defects, dry and wet rot, subsidence and many other faults, only for these to become serious matters at a later date. The new homeowner may then be unable to afford, or may lose the desire, to fix the faults and may be left with a property they may no longer want to live in but are unable to sell to recoup their losses'. (Source: http://www.rics.org/)

Over a third of those surveyed failed to have an independent survey commissioned. We could speculate on why, however as 94% of respondents agreed that it was important to commission a survey, I think it is reasonable to discount ignorance as the primary reason for this. I suspect that cost may be a significant contributing factor, where many prospective purchasers see this as a cost they can do without and hope that they ‘get lucky’ and purchase a property with no issues/defects, that they were not aware of.  However, trying to save money at this point is a false economy. True, a comprehensive residential building survey may cost on average between £700 and £1000 (costs will vary depending upon the size and complexity of a dwelling and the survey selected), however, this is always money well spent. In fact, purchasers should be asking themselves if they can afford not to have a building survey undertaken rather than thinking about how much they will save by not having one done.

A level 3 Building Survey (see below), will provide a prospective purchaser with a comprehensive assessment of a dwelling and highlight not just significant issues, but anything that the Surveyor thinks is relevant. Armed with this information, the prospective purchaser may decide you try to negotiate the sale price with the seller (to reflect the findings of the survey) or maybe even decide to discontinue their interest and look for alternative properties. Either way, the information provides the purchaser with choices, where decisions can be made before contracts are signed rather than having to deal with the consequences when the property comes into their legal ownership. I am sure that in hindsight many of those who took part in the RICS research above would have regretted not spending £700 to £1000 on a Building Survey, as they ended up with an average repair bill of nearly £6000. Never be tempted to cut corners when considering the purchase of a property because even if you think a building survey is expensive you can see from above that it often proves to be much more expensive not to have one. On the flip side, the Building Survey may not identify any significant issues. Even in this scenario this represents good value for money as you now have piece of mind that the property you are considering is in reasonable condition and you are likely to avoid any nasty surprises. The lesson here is very simple: Always commission a Building Survey before exchanging contracts!

The information provided by RICS below summaries three different levels of survey that you may consider when purchasing a dwelling: RICS surveys are available to suit the particular circumstances of the client and the property:

Level 1 - Condition Report

Provides an objective overview of the condition of the property, highlighting areas of major concern without extensive detail. This option is ideal for buyers purchasing a modern house in good condition and for sellers and owners.

Level 2 - Home-buyer Report

Is most suitable for standard older and modern properties that are in an apparent reasonable condition. It provides a concise report with advice detailing any significant problems that could make a difference to the value of a property.

Level 3 - Building Survey

The ‘flagship’ service providing a detailed report on a property. It is particularly useful for older, larger or non-traditional properties, or one which is dilapidated and has been extensively altered or if the buyer is planning a major conversion or renovation. (Source: http://www.rics.org/)


Author: Gary O’Neill

Please feel free to share this article and other articles on this site with colleagues, friends and family who you think would be interested

Information/opinions posted on this site are the personal views of the author and should not be relied upon by any person or any third party without first seeking further professional advice. Also, please scroll down and read the copyright notice at the end of the blog. 

Monday, April 9, 2018

Buying a Property – Part 1 – The Limitations of a Mortgage Lender’s 'Survey'



A Mortgage Lender’s 'survey' is for the lender only and should not be relied upon by a purchaser as a means of accurately assessing the condition of a property

Source: The Telegraph
Buying and selling of property can be one of the most daunting experiences of our lives. The complex process of dealing with Solicitors, Surveyors, Estate Agents, Mortgage Providers, Vendors (the person/s selling the property) and the like is something that the vast majority of us do not undertake on a regular basis, and is therefore something that often proves to be very stressful. First time buyers in particular will often feel overwhelmed by the whole process and will rely heavily on their advisors to guide them through the process. Once a decision has been made to purchase a property, buyers will work out their finances and decide how much they can afford to borrow and then try to secure a mortgage or at least a mortgage guarantee before beginning the process of house hunting. 

For most of us purchasing a property will be the largest financial investment we will make in our lives. It is therefore essential that we know exactly what we are buying before we exchange contracts because it is at this point that a property comes into your legal ownership. At exchange of contracts the law assumes that you have made all of your enquiries and that you are fully aware of what you were buying. If subsequently you find problems with the property, then these problems become your responsibility to deal with (unless you feel that you have been advised inappropriately and that you can prove this). It is therefore advisable to be as thorough as you can be to establish the full extent of any issues with a property before you exchange contracts. A range of different surveys can be carried out during the conveyance process for which the inexperienced, particularly first time buyers often do not understand the purpose or scope of the range of different surveys available. For clarity, this article will consider conveyance in respect of a residential dwelling.

Source: Stringinfo
Firstly, if you apply for a mortgage, a survey will be carried out by the lender on the property you are considering purchasing. Do not be misled by this survey. This survey is for the lender and not the purchaser. The purpose of the survey is for the lender to be satisfied that in the event that you default in some way on your repayments then in a ‘worst case scenario’ they will be able to sell the property and re-coup the money they have borrowed to you. This is all about the lender assessing their risk. These types of surveys are not intrusive and in fact they are extremely brief and in most cases are completed in approximately 20 to 30 minutes. The ‘Surveyor’ will make a brief internal inspection looking in the roof space if possible (usually from the top of a ladder). The inspection will also look for visible signs of timber decay or woodworm, and also consider the electrical installation amongst other things. This will be followed by an equally brief external inspection where the roof, chimneys, external walls etc will be inspected. As the Surveyor undertakes the inspection, a two or three page proforma (paper or electronic), mainly consisting of tick boxes will be completed.  The ‘report’ will then be returned to the lender and will indicate whether the property is worth the agreed sale price and also detail any urgent remedial works. It is from this report that the lender will decide whether they will borrow the agreed amount to the buyer or withhold a certain amount for any works the surveyor has identified as affecting the value of the property. I have a personal dislike for these types of surveys because in my opinion ‘surveyors’ are far too cautious in what they report. They often recommend timber and damp surveys and electrical inspections as standard without any real grounds for doing so, and often inaccurately report other issues. This is hardly surprising given the very brief inspection undertaken, however this cautious approach is more likely to be a result of the litigious world we now live in, where ‘surveyors’ provide ‘their own safety net’, and therefore try to reduce the risk of being sued. To a certain extent this is understandable, but this should never be at the expense of accurate reporting.

I few years ago I bought and sold a property. The surveyor for the lender of the prospective purchaser of my former house reported damp problems and an issue with the chimney. A timber and damp survey was recommended (by the surveyor) with a £1000 retention sum for repairs to the chimney. The prospective purchaser tried to use this to negotiate a reduction of the purchase price, however as a Chartered Building Surveyor I knew that this was completely inaccurate and unnecessary. I tried to challenge this, however as it was not my lender (it was the purchasers of my house), I continually hit a brick wall. My purchaser became unnecessarily nervous about buying a house which they now thought was riddled with damp and with a chimney that was about to collapse! In the end, and to ensure that we did not lose the sale, through gritted teeth, I agreed to a £500 reduction, even though this was completely unnecessary. I am sure that many reading this will have similar experiences, which I am also sure is one of the reasons why some property transactions fall through at the last minute, which is extremely frustrating.

This demonstrates that lenders rely on the advice of ‘surveyors’ who carry out such a brief inspection that it is almost laughable, who then recommend further inspections and remedial works that are often not necessary. Remember, a mortgage lender’s survey is for the lender only and should not be relied upon by a purchaser (mainly for the reasons stated above), as a means of accurately assessing the condition of a property. A much more comprehensive inspection is therefore required and I would recommend that a Building Surveyor is instructed to undertake a full, comprehensive survey of a property prior to contracts being exchanged. Although this will have a cost attached to it, you will often find that a building survey will prove to be extremely cost effective as it will highlight possible defects/issues which can either be used to negotiate the sale price, or possibly allow the buyer the choice of pulling out of the sale, before contracts are exchanged. This is something I will discuss in my next article.

Author: Gary O’Neill 

Please feel free to share this article and other articles on this site with colleagues, friends and family who you think would be interested 

Information/opinions posted on this site are the personal views of the author and should not be relied upon by any person or any third party without first seeking further professional advice. Also, please scroll down and read the copyright notice at the end of the blog.

Friday, December 8, 2017

Brexit 'deal agreed' - But is it a good deal for the UK?



This is a voyage into the unknown which was always going to be complex and challenging. The terms of the divorce were never going to be amicable as Europe cannot be seen to make it easy for the UK as they will clearly want to discourage other European nations from going down a similar road

Source: European Union Experts
As a member of the British public I am becoming increasingly frustrated by the constant messages coming out of Westminster and Brussels about Brexit. Like most people, I am not party to the Brexit negotiations, so I have to make do with the scraps of information that are constantly thrown at me through the media, which basically tell me nothing.  All we seem to be hearing is that ‘Britain has made concessions on this and concessions on that’. We hear today that the UK and EU have now agreed a deal for stage one of the negotiations, but how do we know if it is a good deal or not? Have the EU made any concessions? When I think of the Brexit negotiations I get the image of a vulnerable British rabbit encircled by 27 European wolves all waiting to pounce on every whimper that the rabbit makes, until it reaches a point where the rabbit is terrified into conceding for fear of being attacked by the wolves. What I want to know is where is the British Lion that will stand its ground, fight its corner and keep the wolves at bay?

At this moment in time, above everything what we need is strong leadership. You may not like Donald Trump or agree with his approach to politics or agree with his policies, however, there is no doubt that he is in charge and that he is not prepared to be messed around. Teresa May continually told us that she wanted to 'strengthen her hand' with Europe and so she called a 'snap' election. This must rate as one of the biggest misjudgements in British political history because, instead of strengthening her hand she ended up cutting one of them off!  With the hand that remained she had to hold out the begging bowl to the Democratic Unionist Party (DUP) in order to secure a very slim overall Parliamentary majority. The European Union must have laughed its socks off in the knowledge that they would now be negotiating with a wounded Prime Minister, with limited power who faced opposition from all corners including her own party. Not exactly the strong leadership that we need, is it?

Source: Sheet Plant Association
Whether people voted remain or leave is now irrelevant, that debate and that ship has now sailed. There is no point in dwelling on this because on Thursday 23rd June 2016 51.9% of the British public decided to leave Europe, and at 11pm on Friday 29th March 2019 the UK will leave Europe. The triggering of Article 50 seemed to take forever as we were told that the UK wanted to be as ‘prepared’ as we could before giving formal notice to Europe that we would be parting ways. It took nearly nine months from the referendum before Article 50 was finally triggered on 29th March 2017, giving us two further years to ‘negotiate’ a divorce. This is a voyage into the unknown which was always going to be complex and challenging. The terms of the divorce were never going to be amicable as Europe cannot be seen to make it easy for the UK as they will clearly want to discourage other European nations from going down a similar road.

The economy and particularly trade are topics that continually arise as British industry tries to work out the impact of what Brexit will actually mean for imports/exports and to them and their business in a wider context. Again, the EU ‘dictated’ that the next stage of discussions (including trade) could not take place until we have dealt with three key issues; the rights of EU nationals living in the UK, the financial terms of the exit package and agreement of how to deal with the border between Northern and the Republic of Ireland. You would think with all of the UK concessions we have been hearing (which we have no real details about) that negotiations would have moved much quicker however, to the contrary, we are seeing headlines such as; ‘We can't go on like this': mood of resignation in EU as Brexit talks stutter’ in the Guardian (December 5th 2017) (Link). Within the article the current confusion and chaos around Brexit is summed up by a Finnish MEP; ‘the government’s weakness was 'a key question' for the EU. 'We are also in a very difficult position because it would not be in our interests to see the whole thing fall apart', 'At the same time … it’s not our duty to help the British government in a negotiation that is between them and us. The bottom line is that the May government is facing an impossible task', adding that promises made to British voters during the referendum campaign and before June’s snap election could not be kept. The government was in 'an ever-worsening, deteriorating cycle'.

It is a fact that there will be quite a number of years of ‘transition’ whether the UK strike a complete Brexit deal with the EU or not. It will take the UK and indeed European countries and their economies time to adjust as we get used to the reality of life without each other. Therefore, if we know and accept that there are some turbulent years ahead then the question arises of whether it is in the best interests of the UK to strike a deal with Europe that involves so many concessions that we are effectively still a European nation but without the ‘official membership’. There is plenty in the media about the implications of a ‘no deal scenario’ and yes, this would have serious implications.  In the Guardian (December 7th 2017) (Link) the House of Lords warn that a ‘no deal’ Brexit would be ‘the worst outcome possible’.  Well, maybe it would but at this point in time nobody really knows. What I would like to see and I’m sure many others would share this view, is a British Government that shows some fight, a British Government that stands up for Britain, a British Government than shows leadership and a British Government that provides confidence to the British people that they have a plan in whichever scenario plays out.  At present, all we see if confusion, discord and poor leadership which has reached a point where we have no idea what is going on. Sadly, this also seems to be the case for those negotiating Brexit on our behalf! What a sad state of affairs.

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Information/opinions posted on this site are the personal views of the author and should not be relied upon by any person or any third party without first seeking further professional advice

Monday, March 9, 2015

Pitched Roofs (Houses) - Part 2 – Moss Growth and Flashings



It is worth spending the time to look closely at a roof, from a maintenance point of view, for those living or occupying a property and from an investment point of view for those thinking of acquiring, disposing of, or leasing property

Source: http://www.mgcltd.co.uk/
In my previous article (Link) I discussed what an important component a roof is to a building and that to be effective it needs to be weather and watertight, and if deterioration starts to occur it can affect many other parts of a building and ultimately, a roof is often one of the most expensive components to repair or replace. It is therefore worth spending the time to look closely at a roof, from a maintenance point of view, for those living or occupying a property and from an investment point of view for those thinking of acquiring, disposing of or leasing property. In last week’s article I discussed sagging roofs and provided some examples of likely causes and what to look for and for the purposes of the remainder of this article I plan to discuss moss growth and flashings and identify some of the things that I would look for when carrying out a survey to a traditional timber pitched roof to a low rise domestic building (for the layperson I am referring to a typical house).

Moss Growth – ‘vegetation’ or ‘deposits’ can appear on the surface of a roof in many forms and the type of vegetation or deposit will be determined by a number of different factors.  Typical terms used to describe these are lichen, algae, fungus or moss growth.  Limited presence or absence of sunlight on a roof surface is often an influencing factor in the amount of moss or lichen growth. Usually there will be less growth if there is regular sunlight, so consequently when there are shady and cool/moist conditions, the presence of moss/lichen growth is more likely.

Source: http://pnwhandbooks.org/
Apart from looking a little unsightly the impact of small deposits of moss/lichen on a roof surface are likely to be insignificant.  However, valley gutters, rainwater gutters, downpipes, hoppers and other outlets should be regularly checked to ensure that deposits, which may detach from a roof surface, are not allowed to block the rainwater system. If on the other hand, deposits are allowed to develop and cover larger areas of the roof surface then this can have a more detrimental effect to the building. Moss/lichen growth on roofs in large deposits have the capability of holding surface water and moisture and as such will keep the roof surface moist and cool in the areas where it is present.  This can also result in the internal surface temperature being cooler than it would normally be, creating an environment with an increased possibility of condensation occurring in the internal roof space.  Consequently, this can introduce moisture into a roof space which can be the catalyst for quite a number of other building problems.  You can view my previous article on condensation by following this (Link).  During colder periods of the year and moisture held within moss/lichen deposits may freeze causing expansion (when water freezes it expands and therefore increases in volume).  This can introduce stresses to the roof surface underneath and can damage or even displace roof tiles, particularly where water is trapped in the moss/lichen at the junction or under the ‘lap’ of roof tiles. 

Therefore moss/lichen growth on as roof surface may look innocent enough however it can be seen from the information above that it can be quite problematic if it is not dealt with.  Caution should be taken when removing moss/lichen deposits from a roof from a personal safety perspective (particularly safe access), as well as the method adopted to remove any deposits. After all it would be pointless clearing the deposits and then damaging the roof surface in the process.  The use of a high pressure water jet for example will damage certain types of roof tiles so always carry out some research before deciding on which method to use.

Source: http://metalrooftodays.blogspot.co.uk/
Flashings - When any part of a roof meets a vertical surface or abutment such as an extension, dormer window or a chimney stack etc. the joint between the vertical surface and the roof covering needs to be completely water tight to prevent moisture ingress. Nowadays, lead is commonly used however in older buildings zinc, aluminium, slate, tile and even cement mortar were used in these locations.  Whilst undertaking surveys, flashing are a vulnerable point within a building and it is common to find evidence of damage and deterioration to flashings as well as signs of moisture ingress internally.  It is always worth looking closely inside a building at the underside of where flashings are located externally, looking for historical signs of moisture ingress such as staining in addition to areas that may be visibly damp, peeling/blistering of paint and finishes and other signs that there may be a problem with the flashings.

Things to look for include evidence of temporary repairs around flashings including the use of ‘flashband’, which is basically a bitumous tape.  The use of flashband should never be considered as a permanent solution and in fact it will not be long before moisture ingress starts to re-occur unless a more substantial repair is not carried out quickly.  To a Surveyor, flashband screams out problem!

Source: http://www.1stassociated.co.uk/
The use of cement based mortar as a flashing is also inadequate and should be replaced with something more substantial.  The whole point of a flashing is that it should be watertight.  The problem with using mortar is that it is porous and therefore has the ability to absorb moisture, which can easily find its way through to the surfaces below. As discussed with moss growth above, any water or moisture that is trapped within the mortar will expand if it freezes and this can cause the mortar to crack, move and even fall away. This will expose the junction it is trying to protect to further moisture ingress.  

A Surveyor will also commonly see problems associated with roof flashings which are a result of poor workmanship. The reasons for poor workmanship are wide but will include cutting corners to save money, use of inappropriate materials, lack of knowledge and understanding, ‘getting the job done quickly’, if it’s out of sight, it’s out of mind’ etc.  I used to think I’d seen it all however there was always something new just around the corner that I had not seen before!  Whatever the reason, poor workmanship creates a lot of problems in buildings and something that I am sure will continue to do so in the future.  The photographs below provide some examples of poor workmanship of roof flashings.

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Information/opinions posted on this site are the personal views of the author and should not be relied upon by any person or any third party without first seeking further professional advice. Also, please scroll down and read the copyright notice at the end of the blog.

Monday, March 2, 2015

Pitched Roofs (Houses) - Part 1 – ‘Sagging’ roofs



If the surface of a pitched roof is not perfectly level or straight then this can give the impression that there is a serious problem.  Whilst this can sometimes be the case it is not true in every situation

Source: https://www.flickr.com/
Regardless of an individual’s knowledge of property/construction there is always one part of a building that seems to raise increased concern and that is the roof.  Whilst undertaking surveys I often get asked questions about all sorts of different things however when it comes to the roof there appears to be a great deal of trepidation and anticipation of what I am about to say.  This is likely to be because, firstly the roof is such an important part of the building in as much as it needs to be weather and watertight, and secondly, if it does start to deteriorate it can affect many other parts of the building and ultimately, a roof is often one of the most expensive components of a building to repair or replace. There many different ways of constructing a pitched roof (an angled roof with sloping sides which will shed water) and there are many different forms however for the purposes of the article I plan to discuss some of things I would look for when carrying out a survey to a traditional timber pitched roof to a low rise domestic building (for the layperson I am referring to a typical house).

Over the last few weeks I have discussed how much information can be found by inspecting a roof void (the underside of the roof internally) and within the first article I briefly provided some information about cut timber and trussed roofs. This is important because many of the problems that can occur with roofs often relate to the various components and the manner in which a roof is constructed.  Please take the time to read these articles to understand some of the terminology that will be used through this article. You can view the previous articles by using the following links (Link 1) (Link 2).  Within this and next week’s article, I have selected a number of things a Surveyor will consider when undertaking an inspection of a traditional timber pitched roof to a low rise domestic building.  The items discussed are in no particular order of priority and are far from exhaustive however it is hoped that they will provide a basic understanding of what to look for anyone with an interest in property.  Based on my previous articles it should now go without saying that professional advice should always be sought if something is identified that raises cause for concern.

Source: http://www.redbeacon.com/
‘Sagging’ roof surface – If the surface of a pitched roof is not perfectly level or straight then this can give the impression that there is a serious problem.  Whilst this can sometimes be the case it is not true in every situation.  The main purpose of the roof, as previously discussed, is to ensure that the building remains weather and watertight.  It is therefore quite possible to view a roof that is showing signs of unevenness or sagging on the outside, however on inspection of the inside of the building there are no signs of any water ingress. This raises a key point.  An inspection of a building must be thorough and no assumptions or conclusions should be made until a full comprehensive inspection has been carried out. A Surveyor will have the knowledge and skills to make this assessment at which point, having gathered all of the facts, will be able to provide sound accurate advice. Basically, a sagging roof may appear visually strange or indifferent compared to other roofs however if it is still performing the function it was designed for then it does not mean that it needs to be replaced or indeed repaired immediately?  Having said this, if the inspection identifies something more sinister then works may well be required.  So then, what would cause a roof to sag?

Source: http://clarkehomeimprovements.ie/surveys/
Usually a roof will start to sag if something happens to the timbers which form the roof structure. This could include broken or damages rafters or purlins which can be a result of excessive load on the roof surface, possibly a heavier roof tile has replaced an original lighter roof surface or possibly snow (however a well constructed roof should be designed to accommodate snow load), possibly fungal decay such as wet or dry rot, possibly woodworm, or even possibly damage during repairs or renovation etc.  It is quite easy to damage rafters in a roof space if you do not understand what you are doing. As a Surveyor I regularly see the results of poor DIY where it is clear that the person who carried out the work did not understand that a rafter is one of the main supporting timbers within the roof and that cutting into it or trying to remove it because ‘it is in the way’, is actually going to result in significant problems (believe me, I have seen this!).

The significance of what is causing a roof to sag will clearly be determined by what is causing the problem in the first place, which can occur for a variety of different reasons.  Remedial measures can vary from leaving the roof as it is to repairing or replacing individual components or ultimately removing the roof surface and removing and replacing the roof structure, if for example extensive dry rot is identified.  I have discussed dry rot during a previous article which you can view by using the following (Link)

To conclude, there are many reasons why a roof may sag, however extensive remedial works are not always required.  In fact it could be argued that in some cases the presence of a sagging roof actually gives a building character. There are numerous examples of buildings that have existed for many hundreds of years which have sagging roofs, which are still performing the function that they were originally designed for.  The roofs may sometimes look odd compared to more modern roofs however to replace these roof would remove a significant feature and the buildings could also lose the charm that makes them interesting in the first place. In part 2 next week I will discuss some other things that a surveyor will consider whilst inspecting a traditional timber pitched roof to a low rise domestic building.

Please feel free to share this article and other articles on this site with friends, family and colleagues who you think would be interested


Information/opinions posted on this site are the personal views of the author and should not be relied upon by any person or any third party without first seeking further professional advice. Also, please scroll down and read the copyright notice at the end of the blog.