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manage and coordinate the builder, electrician, plumber etc. If not, the responsibilities will normally transfer to the principal contractor. They must draw up a plan explaining how health and safety risks will be managed - you should ask to see this. Does the principal designer/ contractor have adequate project design insurance (such as professional indemnity insurance) to cover the liability for any negligent advice or design work? Will the builder's insurance cover the existing structure and any new works? Because, often, the existing structure is not covered. Who is responsible for temporary works, materials, plant tools and equipment on site? Are you excavating near other existing structures? Who has responsibility for those working on or visiting the site? DOES THE PRINCIPAL DESIGNER/ CONTRACTOR HAVE ADEQUATE PROJECT DESIGN INSURANCE TO COVER THE LIABILITY FOR ANY NEGLIGENT ADVICE OR DESIGN WORK? Are you going to be carrying out work within three or six metres of a party or boundary wall? Then you must consider your liability under the Party Wall Act 1996 - your neighbour has a right to be compensated for any loss or damage caused by your relevant works. Who will cover damage to a neighbouring property? Are there nearby rights of way? Discuss these issues with your shortlisted contractors and ensure you are comfortable before signing contracts. Your household insurance won't cover everything The majority of household policies exclude contract works and some insurers will even take you off cover immediately if they know you're having work done. Cover extensions are possible, but expensive. Importantly, most household policies don't allow joint insureds, so you'll need separate insurance to cover you and your contractor jointly. Check with your insurer (or broker) straightaway. You can purchase renovation or extension insurance, which you may want to consider if you're planning building work of any significant scale. As above, when you're working with contractors, issues can arise as to who is contractually responsible for insuring the existing structure (namely your house). When neither your buildings insurance nor the contractor's insurance covers it, extension or renovation insurance can solve the issue. What will happen if you have a dispute? With extension and renovation insurance, it's possible to include legal expenses cover so that if things don't go as planned because of a dispute with one of the contractors involved in your project, you can get access to legal advice and, where the prospect of success is good, assistance in seeking resolution (subject to certain conditions). Arrange a building warranty prior to works starting Arrange your building warranty prior to works starting. Finally, to cover the new works and any major consequential damage to the property for 10 years against defects in the design, materials, workmanship and components causing major damage, you'll require a building warranty. Cover starts from the date of completion but you need to have it in place prior to works starting. Lucas Fettes is an independent insurance broker, providing home insurance and cover for individuals taking on building projects. They have their own structural warranty operation, Protek, for individuals managing structural work to their homes. For more information or advice about any of the aspects covered, or for a free, no obligation consultation, call them on 0330 660 0401. Visit www.lucasfettes.co.uk and www.protekselfbuild.co.uk. FOR MORE INFORMATION Call 0330 660 0401 Visit www.lucasfettes.co.uk www.protekselfbuild.co.uk Be aware 'Some insurers will even take you off cover immediately when they know you're having work done.' Lucas Fettes & Partners Limited are independent insurance intermediaries authorised and regulated by the Financial Conduct Authority. Protek Limited is a trading name of Lucas Fettes & Partners Limited. http://www.lucasfettes.co.uk http://www.lucasfettes.co.uk http://www.protekselfbuild.co.uk http://www.protekselfbuild.co.uk

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