CIGA INCREASE COPY CERTIFICATE FEE TO £25

CIGA now charge £25.00 for a copy of your guarantee certificate

https://ciga.co.uk/the-ciga-guarantee/

CIGA is the main guarantee issuing body for Cavity Wall Insulation, having issued around 6 million guarantees out of the estimated 12 million homes that have been installed with Cavity Wall Insulation.

In most cases when something goes wrong or you need a copy of guarantee for something like selling your house, you will be directed to them for a copy of a CIGA guarantee certificate if you don’t have one. This is a vital document in processing a claim for failed cavity wall insulation.

In 2016 you could request a copy of your certificate free of charge.

In 2017 CIGA started to charge £10 for a copy of your guarantee certificate. A good money earner if all 6 million guarantee holders all requested a copy, this would generate £60 MILLION pounds income for CIGA.

At £25.00 per certificate this would generate an income to CIGA of £150 MILLION POUNDS.

Interestingly, it is easy for CIGA to email a copy of the guarantee, and apart from a little staff time, it wouldn’t cost them anything to provide it to you this way.

Don’t want to pay £25.00 ? – Read More Below

DATA SUBJECT ACCESS REQUEST – DATA PROTECTION ACT – SECTION 7

If you send a written request to CIGA like the template we have drafted below, the maximum fee CIGA can charge is £10.00 – this is called the ‘maximum statutory fee’ that can be charged for a copy of ALL information CIGA hold on you including a copy of your CIGA guarantee certificate.

DSAR – This is a legal request under the Data Protection Act and failure by CIGA to provide the full release of information within 40 days maximum is a breach of their regulatory requirement and you can make a formal complaint to the Information Commissioners Office. CIGA could be warned or even heavily fined for failing to provide adequate and timely responses to requests for information, so don’t be afraid to use this request process and let CIGA know you have the Information Commissioners Office and the Data Protection Act FULLY on your side!

You can read more from the Information Commissioners website and Section 7 by clicking HERE

Below is a link to all the guarantee agencies, what kind of Cavity Wall Insulation they specialised in and guaranteed and also their contact information and websites to read more information:

https://www.wallcavityclaims.co.uk/ciga/get-a-copy-of-your-ciga-certificate/

 

SAMPLE DATA SUBJECT ACCESS REQUEST LETTER >>

YOUR NAME
YOUR ADDRESS
YOUR POSTCODE

The Cavity Insulation Guarantee Agency
CIGA House,
3 Vimy Court, Vimy Road
Leighton Buzzard
Bedfordshire.
LU7 1FG

[DATE OF REQUEST]

Dear Cavity Insulation Guarantee Agency

DATA SUBJECT ACCESS REQUEST – DATA PROTECTION ACT 1998

I am writing to request information pursuant to section 7 of the Data Protection Act 1998.

I am sending this DSAR request for the following information which I request pursuant to the Data Protection Act under a Data Subject Access Request:

  • A copy of my CIGA guarantee certificate
  • A copy of all electronic and paper notes you hold in relation to me and my property.
  • A copy of all installer paperwork submitted to CIGA
  • A copy of all manual intervention notes you hold on your system
  • A copy of the installers registration with CIGA and details of their insurer at the time of install if the installer is no longer trading
  • Any and all other data you hold on my address.

While we understand the Act allows 40 days for the provision of the information, I would be extremely grateful if this matter could be dealt with as quickly as possible.

We remind you that this request is made subject to Section 7 of the Data Protection Act and remind you of your legal obligations under the Act. Failure to respond in full with the requested information could result in a formal complaint being made to the Information Commissions Office without further notice to you.

I enclose the statutory fee of £10.00 to cover all accounts.

Yours Sincerely

[YOUR NAME]

What to do if my property isn’t registered with CIGA?

CIGA is the main certification body for cavity wall insulation. In most cases, you will be directed to them for a copy of a CIGA guarantee if you don’t have one. This is a vital document in processing a claim for failed cavity wall insulation. However, every now and again CIGA may not have a record of your property being registered with them. So, what should you do if this is the case?

There are a few reasons for this, one of which is your property may have simply been registered with another guarantee agency. Of the 12 million homes estimated to have had cavity wall insulation installed, about 6 million were certificated by CIGA. So, it is very possible another certification body certified your home. There is a total of 11 certification bodies approved by Ofgem with a slight variation in the kind of cavity wall insulation they certify. Below is a link to the agencies, what kind of CWI they specialise in and their contact information:

https://www.wallcavityclaims.co.uk/ciga/get-a-copy-of-your-ciga-certificate/

It is also possible the installer of your Cavity Wall Insulation simply did not register your property with a guarantee body at all. This was usually because funding for the Cavity Wall Insulation would run out and it cost the installer to register the property, so they simply didn’t do it.

In this case the best thing to do would be to find out if neighbours and other properties in close proximity to yours had Cavity Wall Insulation installed at a similar time and see if they have a guarantee certificate or are registered.

If this is the case, you can write to said certification body and ask them to issue a guarantee for your home in line as this was promised by the installer at time of install who would have been registered with the guarantee agency.

TCF – Treat Customers Fairly

If you were promised a suitable install and a guarantee, and they provided your neighbours with one but not you, they have a moral obligation to issue a certificate back dated to the date of install.

Is cavity wall insulation safe?

Is cavity wall insulation safe?

Most cavity wall insulation is perfectly safe – but it can depend on the material used, and more often and important the quality of the workmanship. Modern retrofit cavity wall insulation methods should pose no threat to those living in the home, but if your walls were insulated decades ago, you may want to check what was used. Similarly, if your cavity walls were wrongly insulated, this could cause you problems such as damp, and poor air quality because of lack of air flow.

Urea formaldehyde foam insulation

In the 1970s. 80s and 90’s, there was a rush to insulate thousands of homes as quickly and cheaply as possible – and this saw the widespread use of formaldehyde foam insulation, sprayed into cavity walls. In some cases, it was an effective insulant, and it wasn’t until later that people noticed the issues it caused.

Once inside the cavity, this foam shrinks as it cures, leaving air gaps in the walls which encourage cold bridging. But urea formaldehyde has been blamed for more sinister problems too.

When urea formaldehyde decomposes over time, it creates chemical fumes. There is evidence that exposure to high levels of airborne formaldehyde can lead to respiratory problems and other health issues.

If you’re worried that your home may have been insulated with it, it’s best to get a professional to take a look. If you don’t have the paperwork, they will be able to check with a borescope inspection to see whether or not it’s this type of insulation, and can also measure the levels of formaldehyde in the air to see if they are potentially dangerous.

Urea formaldehyde (UF) foam 1.1 Insulating materials which give off formaldehyde fumes (either when used or later in normal use) may be used to insulate the cavity in a cavity wall where there is a continuous barrier which will minimise as far as practicable the passage of fumes to the occupiable parts.

Blown fibre insulation

Another material that was once commonly used to insulate cavity walls is fibre. This is injected into the cavity, where it settles and compacts. Although it has no health effects when fully sealed within the cavity, if it escapes through gaps it can be a bit of a nightmare. Although blown fibre insulation isn’t classed as hazardous, it is an irritant – if it escapes, it can really itch your eyes and skin.

Another issue is that fibre insulation has often been installed in properties where it was unsuitable, or it was rushed. Once rainwater gets into the cavity, it saturates the fibre. This water can then track across into internal walls and present as damp. Aside from wet fibre being absolutely no use as an insulator, damp and mould can have serious health implications.

If you think this is an issue in your property, it’s wise to take steps to protect your home, your family and your health, take the cavity wall insulation out and start again.

We can recommend people we trust to do this for you. Bear in mind that if you’re removing/exposing blown fibre insulation, you have a responsibility to make sure it doesn’t escape and cause problems for your neighbours!

New cavity wall insulation – Polystyrene Beads

If you’re installing cavity wall insulation, it’s worth opting for a modern insulating material with proven performance! EPS (expanded polystyrene beads) and polyurethane foam are the most commonly used these days, and with good reason. Neither have health implications, and they are waterproof, so should be as effective in decades’ time as they are now. Always ask for an explanation of the insulation material your installer is using if there’s anything you’re not sure about.

Polystyrene Beads when used with a bonding agent that holds the beads together as they settle inside the cavity seem to be the preferred product, but have only been installed in a small number of properties because of the extra costs, and contractors opted for the lower cost fibre material.

Those who had beads installed may have found them across their lawns, garages, inside kitchen cupboards, coming up their sinks, leaking through air vents, and so on. This gives an indication that the beads were not glued, and because of bead loss, gaps at the top of the internal walls will create cold spots and then lead into damp and mould.

Probably one of the easiest products to extract, depending on the property.

If you’re one of the 3 MILLION homes that is affected by damp and mould, cold spots, damp smells, leaking insulation or excessive condensation, or you think you might have foam insulation, partial fill, or any other problems, don’t leave it to get worse. Statute of Limitations Act gives you a set time from date of knowledge to bringing an action.

Contact Wall Cavity Claims today for free and impartial service from industry experts, panel solicitors, the countries’ leading Chartered Surveyors and industry recognised extractors and repairers.

Freephone:                        0800-8-654321

Follow us on Facebook:                www.Facebook.com/wallcavityclaims

Website:                             www.wallcavityclaims.co.uk

Cavity Wall Insulation – The Facts

The government was keen for home-owners to insulate their homes, but cavity walls were built as a barrier against penetrating dampness, so what happens when you fill an empty cavity with insulating material? Or in other words, when is a cavity wall not a cavity wall? Answer: when it is filled with damp fluffy stuff.

Confusion over filled cavities

The government announced plans to accelerate the installation of cavity wall insulation, as part of its response to rising energy costs. Specifically, cavity wall insulation was offered free to people on benefits and was offered free to all homeowners over the age of 70.

Heating costs are at an all-time high which is a huge burden on people on fixed incomes, particular pensioners. So should they take up the offer of free cavity wall insulation?

 


“Cavity insulation often gets into electrical consumer units, causing trip-outs and a fire risk”. 

 

Cavity Wall Insulation Facts

Cavity masonry walls were introduced on the exposed western coasts of Britain and Ireland in the nineteenth century, to stop wind-driven rain from penetrating to the inside surfaces. They gradually spread to other, dryer, parts of the country, because the air layer trapped in the cavity was found to provide a fair degree of thermal insulation. Since 1945 this insulation quality has been enhanced by using lightweight blocks, rather than bricks, to build the inner leaf of the wall. But the main reason for building cavity walls has always been to keep the rain out.

Since the 1980s, the Building Regulations have required new houses to be built with insulation material in the cavity. As long as they are built properly, this insulation should not compromise the walls’ resistance to rain penetration.

In most cases, the insulation is fixed to the inner leaf, leaving a narrow cavity to intercept any rainwater that penetrates the outer brick leaf. This insulation material is usually in the form of rigid foam boards, which are intrinsically waterproof, or semi-rigid mineral-wool or glass fibre “batts”, where the fibres are aligned vertically so that any penetrating rainwater should drain downwards in the cavity and not have the chance to penetrate across to the inner leaf. This is important, because the Building Research Establishment has found that single-leaf brick walls ALWAYS leak when exposed to wind-driven rain. The leakage occurs at the vertical (or “perp”) joints between adjacent bricks, because of drying shrinkage in the mortar. It is not a question of poor workmanship; it is an inevitable property of this form of construction.

Many readers with single-leaf brick garages attached to their cavity-walled homes, for example, complain that rainwater penetrates through from the outside when they are subjected to wind-driven rain, resulting in puddles on the garage floor. Well, if the rainwater is penetrating their garage walls, then the same thing will be happening to the brick outer leaves of their living rooms and bedrooms, but as long as the cavities are left clear, the water should run down the inside of the brickwork to foundation level and never be noticed. Until the recent fad for cavity wall insulation took hold, the only times rainwater penetration was a problem was when the steel wall ties were dirty with mortar droppings and/or built sloping downwards from outer leaf to inner leaf, or the cavity itself was blocked at low level with mortar droppings or other debris. In those cases, penetrating rainwater could track across the cavity and show up as damp patches on internal decorative surfaces, but the solution was relatively simple – cut out a few bricks and clear the rubbish out of the cavity, or replace the offending wall ties.

Damp problems caused by cavity wall insulation

Until recently, dampness problems caused by cavity wall insulation have not generally occurred in houses where the insulation was built-in from new, although this is now changing, and the first accounts of dampness caused by built-in cavity batts are starting to come in. We will return to this particular topic later.

Most problems occur in houses which were built prior to the 1980s, with clear cavities, which have subsequently been filled (referred to in the industry as “retro fill”). The material which has attracted most complaints is blown mineral-wool fibre. This material consists of loose fibres which – as the name suggests – are blown in through holes drilled in the brick outer leaf. The manufacturers and installers claim that the material is water-repellent, and that it cannot allow rainwater to penetrate across the cavity. However, research shows that – far from being waterproof – it can soak up water like blotting paper. Samples have been found to hold a startling 243 per cent moisture – ie nearly two and a half times their own weight in water.

Who regulates the Cavity Wall Insulation industry?

Letters and e-mails from readers who say that, following installation of blown mineral-wool fibre, their inside walls have become damp and mouldy, and their homes have become uninhabitable and unsellable. And in every case the installers and their “guarantee” provider CIGA (the Cavity Insulation Guarantee Agency) has refused to acknowledge that the cavity wall insulation was the cause of their problems. In every case the installers and CIGA have insisted that the dampness problems were due to construction faults in the building (even though these are supposed to be identified by the “surveyor” prior to installation) or to “lifestyle condensation” caused by the occupants (even though condensation had not been a problem prior to the CWI).

However there have been some recent cases where homeowners have taken their cases to litigation and won the argument. Recently the issue has also been discussed in parliament.

https://www.parliament.uk/edm/2016-17/633

Can cavity wall insulation allow rainwater across the cavity?

Despite the constant insistence by manufacturers and installers that cavity wall insulation cannot allow rainwater to cross the cavity, the Building Research Establishment has found that it can. Their findings have been published in a number of BRE publications, notably BRE Good Building Guide 44: part 2: “Insulating masonry cavity walls – principal risks and guidance” (available from www.brebookshop.com). This states, “There can be an increased risk of rain penetration if a cavity is fully filled with insulation, ie moisture is able to transfer from the outer to the inner leaves resulting in areas of dampness on internal finishes. Rainwater, under certain driving rain conditions, can penetrate the outer leaf of masonry leading to wetting of the cavity insulation, a reduced thermal performance and damage to internal finishes.”

The guidance document contains a table indicating the maximum exposure zones recommended for cavity wall insulation, for different cavity widths and different types of insulation material. There are many variables in this table, and I do not have room to explain them all here. But for the typical British house with face brickwork and 50mm cavities, the maximum recommended exposure is Zone 1 or Zone 2. As might be expected, Zone 1 is in the east of the country, and Zones 2, 3 and 4 are those progressively further west, with Zone 4 including the west of Scotland, west Wales, Cornwall and parts of Somerset and Dorset. The map describing these exposure zones (the British Standard wind-driven rain index) is reproduced in several BRE publications, including “Good Building Guide 44: Part 2”, “Thermal Insulation: avoiding risks”, and also in British Standard BS8104, and in Building Regulations Approved Document C (which can be downloaded free from https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/431943/BR_PDF_AD_C_2013.pdf ).

 

The map gives a broad outline of those areas most likely to be affected by wind- driven rain (which is pretty much common sense anyway). But local conditions are also important; an exposed west-facing wall on high ground in London will possibly receive more rain than a sheltered wall in Cornwall (eg a house on an estate, close to other houses, which take the brunt of the prevailing weather). Many of the complaints we have received about dampness caused by cavity wall insulation have been from Exposure Zones 3 and 4, but we have also had large numbers of complaints from London, Suffolk, Norfolk, Cambridgeshire and Lincolnshire – all firmly in Exposure Zone 1.

What percentage of properties with cavity wall insulation experience dampness problems?

There are no statistics about this, because no research has been done. The manufacturers, installers, CIGA and HM Govt (through their quango the Energy Saving Trust) all refused previously to acknowledge that cavity wall insulation can cause dampness problems. We suspect that the problem is fairly widespread, however, and under-reported, for several reasons.

  1. In most cases those with problems have not previously reported the problem to anyone else. Many have only just made a link to damp issues and cavity wall insulation being associated to cause. Where they have previously complained to the installers or the funding authority (either their local authority, energy provider, Help the Aged or the Government’s Warm Front scheme) they have been given the line that the cavity insulation cannot possibly have caused their dampness problems.
  2. Many home owners complain that, following cavity wall insulation, they have suddenly started to experience “increased condensation”. They often put this down to a decrease in the “breathability” of their walls (or to the blocking-up of airbricks by the CWI installers – a surprisingly common occurrence), and compensate by opening windows to dry their homes out. They do not realise that the source of the extra water running down their windows and dripping from their ceilings is rainwater penetrating via the cavity wall insulation, and so have not bothered to report it to anyone.
  3. People who have not noticed visible dampness problems in their homes have nevertheless sometimes not experienced the expected savings in their fuel costs following CWI. In some cases, their fuel bills have actually got higher following cavity wall insulation. Others have reported that, whilst not experiencing obvious dampness problems, their homes seem to have become noticeably colder following CWI. This is because blown mineral-wool fibre has to become only slightly damp (around one per cent by volume) to lose all of its insulation properties. Any damper than this, and it will actually start to draw heat out of the house, as damp insulation is worse than no insulation at all, in the same way that a damp vest will make you colder than wearing no vest.
  4. Infra-red imaging company IRT Surveys Ltd has surveyed 250,000 properties across the UK and found that one-third of homes are well insulated, one-third have no insulation at all, and one-third have damp, slumping or missing insulation. The third with no insulation at all will include all the solid-walled Georgian, Victorian and Edwardian houses. The other two-thirds will be predominantly cavity-walled properties, and these statistics indicate that HALF of these are likely to have faulty insulation. CIGA itself has issued six million guarantees, so if IRT’s findings hold true, this would indicate that some three million UK homes have current or potential CWI problems.

Problems with gaps in the insulation, or only some walls being insulated

It should be added that even where it does not transmit rainwater across the cavity, CWI can still create dampness problems through increased condensation. Research has shown that 40 percent of houses whose cavity walls have been filled with blown mineral fibre suffer from gaps in the insulation, and it is these voids which cause condensation and black mould on the walls inside. Because, in a house which has been only partially insulated, the temperature still rises, and with it, the humidity – the amount of water vapour held in the air. And any remaining cold spots will therefore experience more condensation than before. Common areas for condensation and black mould growth are near ground level, between windows, and at ceiling level in upstairs bedrooms.

The insulation installers are supposed to do a thorough survey of the cavity, and proceed only if the wall meets strict British Standards. In practice, hardly any cavity walls meet these standards, as they all have unfilled mortar joints, debris dropped down the cavity, and wall-ties covered with mortar droppings. But the installers press on regardless, and these imperfections and obstructions catch the insulation and stop it from filling the cavity evenly.

Another problem is insulation sinking to the bottom of the cavity, leaving cold areas at the top of the house or below windows, ripe for mould growth. Insiders say this is often due to insufficient fibre being used – a common problem with contractors employed on bulk contracts claiming the government subsidy, but who are insulating up to five houses per day at a price of only £100 each, when a good professional job should take a whole day, and cost at least £500. (If you have had blown fibre cavity insulation, and you suspect that it has settled, leaving gaps, then you can check for this by drilling holes near the top of the bedroom walls and inserting a fishing weight on a piece of string.)

Even when a cavity has been properly filled with mineral-wool fibre, however, the material will still break down and collapse over time. The fibres themselves become brittle and the material simply compacts under its own weight. How long does this take? – nobody knows, because the problem has never been independently researched. I suspect it happens much more quickly than most people realise – perhaps within five to ten years.

BBA made up the regulations for installing properties with Cavity Wall Insulation, they tested the insulation products, issues them with certificates, and then made the regulations saying what type of property should be installed and how it should be installed. CIGA issued a 25-year Guarantee. The contractors cut corners. Sounds so far like they are all to blame!

Are other materials better than blown mineral-wool fibre?

There are two other materials commonly used for cavity wall insulation – bonded polystyrene beads, and foam. If properly installed, these materials should theoretically be superior to mineral-wool fibre, as they are inherently waterproof. Neither material is used as widely as mineral-wool fibre because of cost. It can take two or three days to inject a house with either of these materials, and the cost is likely to be several hundred pounds, so they are not favoured by the government-funded schemes (which budget on around £100 per house for mineral-wool fibre). Neither material is without its problems, however.

Bonded polystyrene bead insulation has been reported to transmit rainwater across cavities. Although the individual polystyrene beads themselves are waterproof, if the cavity filling is incomplete, it can leave voids which are able to fill with water, and depending on the configuration of the voids, these can channel water across the cavity, instead of dripping straight down as advertised.

Dampness caused by Poly bead cavity insulation

 

The main complaint with bonded polystyrene beads, however, is that the bonding can be insufficient, allowing the beads to “escape”. Some readers have reported that when carrying out building alterations involving cutting into insulated walls, the beads have sometimes poured out of the wall. Others have reported beads escaping through airbricks, or blowing out of the top of the cavities into loft spaces, or even out through soffit vents into the gutters.

 

There was an acknowledged problem with one particular brand of bonded polystyrene bead insulation widely used in the 1980s, which was put down to poor site supervision of the process – the adhesive has to be mixed with the poly beads immediately before they are injected into the wall – and this is said to have now been rectified. But any process that relies on on-site mixing will obviously always be prone to human error. Also, as with all modern plastics and adhesives, the technology has only been around for a relatively short time, and it is not known how well the material will age. There are 2 regulations for bead insulations, one with glue, and one without!

 

It has to be mixed on-site prior to injection, and also has an uncertain longevity. All foam materials become brittle and shrink with age. This is the reason why old fridges and freezers become less efficient, for example, as they are lined with foam insulation which gradually disintegrates.

Builders and DIYers have reported cutting into cavity walls filled with foam and finding nothing more than a layer of brown dust at the bottom.

There are complaints of cracking damage – mainly to internal wall surfaces – following foam cavity wall insulation which, if proven, might possibly be due to the expansive force of the foam as it cures.

Some years ago there were concerns that urea formaldehyde foam cavity wall insulation might accelerate corrosion in galvanised steel wall ties, following several reported incidents of wall tie failure. Investigation by the Building Research Establishment failed to find definitive evidence that this was the case, although one particular type of wall tie (thin galvanised “butterfly” ties with a green coating) were advised to be possibly at risk, pending further investigation.

But it is important to realise that any type of iron or steel cavity wall tie is likely to have its life shortened following any type of cavity wall insulation. This is because the insulation – by definition – keeps the warmth on the room side of the wall (the inner leaf), therefore making the cavity itself, and the outer leaf, cooler. So warm moist air from inside the house will find its way through the wall, and condense out on the cooler wall ties, both in the cavity and where they are embedded in the mortar of the outer leaf. Where the cavity insulation is itself wet, then clearly it will be holding moisture in close contact with the wall ties, and hence accelerate their corrosion.

Wall tie corrosion

Wall ties are vital for the structural integrity of a cavity wall, as they hold the inner and outer leaves of masonry together. Being made of iron or steel, they will inevitably rust eventually, but in dry conditions they should last for many years. When persistently damp, however, they can corrode much quicker, and replacing them is a costly and time-consuming process, involving cutting out dozens of individual bricks from the outer leaf. Replacing corroded wall ties becomes much more difficult in a building with cavity wall insulation, as the insulation itself has to be removed around each tie, and then replaced afterwards.

Anyone thinking of having cavity wall insulation installed should first have the condition of their home’s wall ties assessed using the method described in BRE Digest 401, which specifies that two bricks should be removed on each elevation (at high and low levels) and tested for corrosion. Inspecting ties by drilling a hole in the outer leaf and looking through a borescope is not a satisfactory way of assessing their condition, as the most serious corrosion is likely to be where the ties are embedded in the mortar. Wall tie corrosion is a growing problem, and mortgage valuation surveyors are increasingly recommending that wall ties should be inspected as a condition of a mortgage advance. It is likely that the widespread presence of retro-fill CWI will increase surveyors’ alertness to the possibility of wall tie corrosion, and might therefore create delays when homes with cavity wall insulation are put on the market. Homes most at risk of wall tie corrosion are those built with wrought-iron “fish-tail” ties prior to 1920, and those built with galvanised steel “butterfly” ties between 1964 and 1981. Any house about to have its cavity walls insulated is supposed to be inspected and assessed for suitability by “a trained surveyor” (ie a salesman for the insulation installers), but I have never come across a case where the wall ties have been assessed using the correct method. In most cases the “surveyor” simply drills a hole in the outer leaf and measures the width of the cavity.

We are also aware recently of a case where a mortgage valuation surveyor has recommended refusal of a mortgage application on a house with retro-fit cavity wall insulation – the reason given being enhanced probability of wall-tie corrosion.

Conclusion

There are many people who have had cavity wall insulation installed, who have experienced no problems with internal dampness or wall tie corrosion, (so far), and have experienced increased levels of comfort and lower fuel bills.

Unfortunately, there are also people who have suffered serious problems, and who have found it very difficult – or impossible – to get these problems recognised and rectified. The cavity insulation industry, and government agencies, do themselves no favours by pretending that these problems do not exist.

Our opinion is that injecting insulation into an existing cavity wall is a bad idea, with the potential to create problems whose rectification costs will far outweigh any savings in fuel costs, or corresponding environmental benefits. The best way to add thermal insulation to the walls of an existing home is on the outside or the inside, where the installation can be carried out under controlled site conditions, and any subsequent defects easily spotted and rectified. Installing insulation in an existing cavity wall by drilling holes in the outer leaf and squirting something in – ‘in the hope that everything will be alright’, even though you can’t see it – creates massive possibilities for problems.

So, when you have damp and mould, the massive problem lies ahead. Where do you start?

Wall Cavity Claims are a regulated claims management company who offer a specialist all round service directly and indirectly.

From your initial contact, a triage is conducted to ensure you have some form of redress route, typically against the contractors’ insurer, and you should be in receipt of a Cavity Wall Insulation Guarantee Certificate from one of the guarantee schemes. Once this is ascertained and some basic details are taken, your file can be reviewed by a panel solicitor who works on a No Win No Fee service. The cost of starting a claim against the insurer for failed cavity wall insulation can be huge. On-site inspections, Chartered Surveyors reports, and Expert Evidence can easily cost £2000 to get the required information qualified for the basis of a claim. If the insurer disputes liability, court listing and hearing fees can easily be in excess of £1500 without solicitors and barristers’ attendance fees. To fund a claim yourself, you might need around £5000 to pay upfront to your solicitor if you don’t use a No Win No Fee service.

Most panel solicitors’ use a funded client support loan, meaning the client signs for a loan type product which the solicitor can then drawn down from to cover fees as required. The loan is insured with an ATE policy, meaning if the claim is unsuccessful, you should never have to pay anything towards it.

The solicitor should with a funded loan option, be able to recruit the services of professionals to support your file. Wall Cavity Claims recommended professionals incorporate the countries leading Chartered Surveyors to carry out 2 on-site inspections and report fully to your solicitor on all aspects of Cavity Insulation Failure in your property and what needs to be done to rectify it, and the costs implications costed and reported.

The only solution is to clear the whole house of insulation, every wall, every elevation and every last piece of insulation taken out from inside the cavities, whatever the insulation product used. The property will need to dry out for some time, but remedial works can start soon, including making good all aspects of the property such as new damp course, re-pointing, sleeved air vents, and internally rooms may need to be stripped, re-plastered and redecorated. Kitchen base cupboards may be damp, and a new kitchen may be included. Damp wood work such as floor boards can need replacing. Some window frames might need replacing. The list is endless, and a typical property with Cavity Wall Insulation failure could cost in excess of £20,000 for extraction, repairs and re-install where required, that’s without any legal costs, surveyors’ reports, special damages for things such as carpets and clothing and furniture damaged by damp and mould.

Wall Cavity Claims recommend an approved repairer scheme which attends on-site with their pre-approved contractors and checks all processes start to finish to ensure you don’t get caught a second time. Not only does this process ensure the works are completed 100% to industry standards, it will protect any devaluation of your property.

There’s also a personal injury element that you should discuss directly with your solicitor. If your families’ health has been damaged, either increased discomfort of a pre-diagnosed condition such as asthma, or new and repeated problems such as chest infections, skin rashes and so on.

The issue is massive. The costs implications are massive.

If you would like to learn more call Wall Cavity Claims free on 0800-8-654321 or visit our website for more information

 

Major Issues with CWI In System Built Homes

Major Issues with CWI In System Built Homes

 

As the lid is slowly coming off the failed but seemingly well intentioned Green Deal and Energy Company Obligation schemes to provide cavity wall insulation in Britain’s housing stock, the fall out and problems unfold on a daily basis. Every day, more and more people are making the link between having cavity wall insulation installed and the persistent damp issues in their home after the installation.

There really is only one answer to this growing epidemic in the UK! The failed and now defective insulation must be extracted and a full cavity clearance carried out.

What does this really mean for those who have been sold on the benefit of subsidised cavity wall insulation?

In recent times it has come to light that any construction type, other than traditional construction should not under any circumstances have full fill cavity wall insulation installed.

So, what is traditional construction you ask. Let us explain.

The term ‘traditional build’ is usually used to describe a home where the internal load bearing leaf is masonry construction and tied with wall ties to an outer leaf of either block or brick.

See the picture below clearly showing ‘traditional build’ construction, that may (depending on location) be suitable for cavity wall insulation. The right hand side

RIGHT HAND SIDE – TRADITIONAL CAVITY WALL BUILD WITH TWO LAYERS

 

Types of wall traditional wall construction.

 

Although there are many modern methods of construction taking building practices into the future, traditional brick and block methods still remain one of the most widely used build types in the UK and are the only suitable forms of construction to receive cavity wall insulation. If your home is not a traditional cavity wall construction, made from two separate brick or block constructed walls, it should not have been filled with cavity wall insulation and should be removed immediately to stop damage to the building structure.

The next question is, what if you live in a non-traditional construction and have had cavity wall insulation?

The vast majority of us do not have a building or construction background. It’s on this basis that many of our clients come to Wall Cavity Claims and ask us to identify the type of construction of their home and determine if the house was suitable to receive cavity wall insulation in the first place and find out more about cavity wall extraction and cavity clearance.

Wall Cavity Claims are innovators in providing compliant surveying services to help consumers with independent witness reports for their damp, condensation and cavity wall problems.

We work with a panel of Law Firms and Solicitors who specialise in cavity clearance cost recovery cases. It’s free to find out if you have grounds for a case, so contact us and a member of the team will discuss your case.

Don’t wait for damp, mould or excessive condensation to affect your home. These are just some of the indications of cavity wall insulation failure, act now to start your claim for compensation and put things right.

 

Tell us about your property for a free cavity wall insulation claim consultation

 

FREEPHONE: 0800-8-654321

WWW.WALLCAVITYCLAIMS.CO.UK

Damp Cavity Wall Insulation in Exposure Zones

Damp can occur in properties as a result of cavity wall insulation if one or more of the following conditions is present

your home is exposed to severe levels of wind-driven rain (zones three or four in the map below)

your home is located in an unsheltered position, e.g. not protected by trees or other buildings

the external walls are poorly built or maintained with, for example, cracks in the brickwork or rendering and / or defective mortar.

Homeworks is involved in a number of client engagements in the South and North West of England and along the Wales coastline where exposed properties have been insulated and are now experiencing very severe problems with damp. Homeworks are involved in extracting the damp cavity wall insulation.

If you or your property is located in a severe exposure zone and you are concerned about the state of the cavity wall insulation, please contact us.

Published guidance by the Building Research Establishment says that in these cases there is ‘an increased risk of rain penetration if a cavity is fully filled with insulation’. Rain could penetrate the outer wall, bridge the cavity via the insulation material and transfer moisture to internal walls, causing damp.

When Does Cavity Wall Insulation Need to Be Removed?

There are a variety of reasons why a property might need cavity wall extraction:

1) Slumping Insulation – Some of the earliest cavity wall insulation, employing more rudimentary materials, has now slumped in the cavity wall, leaving cold spots that may be causing condensation.

2) Urea Formaldehyde – This form of cavity wall insulation was used for a period of time in many thousands of installations. We now know that this degrades over time losing it’s insulation properties and in the process can present health risks due to gases which are released as it degrades and so the removal of this type of insulation is advised.

3) Poorly Installed – More recently, unfortunately, we see many cases of poorly installed cavity wall insulation where the wrong drill pattern or blowing pressure has left cold spots which may lead to condensation. Cavity wall insulation cannot be ‘topped up’ and so cavity wall extraction and correct re-installation is recommended. Other poor installation practices, such as not dealing with wall vents properly, can cause similar problems. You may have noticed that stories about poorly installed cavity wall insulation have been appearing more and more in the media. Keep an eye on our blog where we will be posting anything we see.

4) Flood/Water Damaged Insulation – Cavity wall insulation may have been damaged during flooding; sometimes broken or under performing rainwater goods may have allowed water to penetrate the cavity or the property may be located in an area of high exposure to wind driven rain. If cavity wall insulation becomes wet or damp, it really must be removed as this will transfer moisture to the inner skin of the property, damage wall finishes and potentially cause health hazards.

5) Unsuitable Building Type – the building, or a particular wall, may have been unsuitable for cavity wall insulation. Examples can be buildings with porous brickwork or mortar; steel and timber framed buildings; or buildings with high exposure to moisture.

6) Steel Framed Properties – We have had a few cases lately where we have been asked to carry out Extraction on Steel Framed properties. In all cases the customers have been trying to sell their properties but have found that potential buyers have been turned down for the mortgage due to the fact the property is insulated.

Cavity wall insulation is not recommended for steel framed houses because they need a well ventilated cavity to prevent moisture from building up and corroding the steel.

If insulation were to get damp it would hold the moisture against the steel frame, particularly towards the bottom of the structure and make it more likely to corrode.

In the majority of cases steel framed properties should not have been insulated in the first place.

If you find yourself in this situation fear not, all is not lost. The property can be Extracted.

The time and cost of cavity wall extraction depends entirely on the conditions that present themselves: the size of the property, the nature of the cavity wall and, of course, the material that must be extracted. It is difficult therefore to provide an indication of cost without gaining some more information about the particular job in question. However, we have tried to answer some questions about the cost of cavity wall insulation extraction here.

If you think you may need our cavity wall extraction services, please contact us for a discussion about your particular project and we will work alongside you to find the best solution to your cavity wall insulation problem.

Why Steel or Timber Framed Properties Should Not Be Insulated with Cavity Wall Insulation

Steel and timber-framed houses should not be insulated with cavity wall insulation. However, few people seem to understand why.

Timber and, surprisingly to many, steel, both need air circulation to prevent rot or corrosion. Many of us will live in houses that have suspended timber floors, and will be aware of the air bricks strategically laid at damp proof course height. These air bricks allow air to circulate underneath the floor joists preventing rot developing and keeping the timbers healthy. The same practice is required inside the cavities of timber and steel-framed houses. Fully insulating the cavity with a retro blown cavity wall insulation product increases the risk of condensation forming and being trapped against the frame. With timber framing, this might lead to wood rot; with steel it will result in corrosion.

There are, thankfully, other ways to insulate a timber or steel framed property very effectively. External wall insulation, for instance, is extremely effective. Internal wall insulation is another option to consider.

If you live in a timber of steel framed property that has been insulated with cavity wall insulation, you will need to have it removed. Over time it may lead to serious structural damage. If you have any further questions and require advice, please do not hesitate to contact us.

Why Does Rubble in A Cavity Wall Cause Problems?

Among many other things that a surveyor will be looking out for, cavity wall insulation requires a clean cavity. Filling the cavity with insulation can cause damp if not installed correctly and this is often due to lumps of mortar (known in the trade as ‘snots’) lying at the foot of the cavity wall on the cavity ties.

As the wall was built it is possible that mortar fell in the cavity and came to rest on the ties. The problem is that rainwater hits the external skin and penetrates to the snot sitting on the tie. That is not a problem in an open cavity as the ventilation will dry any moisture penetration before it reaches the inner skin.

Filling the cavity with insulation will reduce the  ventilation. The rainwater will still hit the external skin and penetrate to the snot but now cannot be evaporated away and continues to penetrate to the inner skin and emerges as a damp spot.

A good surveyor will check that your cavity wall is clean before filling it with insulation. Reputable insulation companies will do this for you as a matter of routine and give you an honest answer. Unfortunately, we know that many cavity walls that contain rubble and mortar snots have been insulated. This has, or will, likely contribute to penetrative damp and further problems in time. In this situation, the cavity wall insulation will need to be removed.

Our thermal imaging service is a useful tool to establish whether or not a cavity wall is being compromised by the presence of rubble and mortar snots. Please contact us for more information or to arrange a free survey.

When Are Properties Unsuitable for Cavity Wall Insulation?

We regularly come across properties that are unsuitable for cavity wall insulation. The following list comprises the most common reasons but it not intended to be exhaustive:

  • Properties with elevations that are particularly exposed and susceptible to wind driven rain
  • Timber framed properties
  • Steel framed properties
  • System built properties
  • Properties with defective rainwater goods and/or unlined finlock guttering
  • Properties where there are significant areas of perished mortar (require re-pointing) or masonry
  • Properties that are experiencing issues with penetrative damp
  • Properties without a DPC, or where the DPC is too low (typically less than 125mm from the ground) and a French drain has not been installed
  • Some properties with raked mortar joints
  • Properties with a cavity wall under 40mm or over 150mm
  • Properties that have significant rubble or mortar ingress in the cavity

We are regularly called to survey properties that exhibit these characteristics but have been filled with cavity wall insulation. The outcome is often that it has become damp and is now causing a range of further problems. In this situation, it is almost certain that the cavity wall insulation will need to be extracted. Click here to find out how but please contact us if you are unsure.

What to Do If You Think You Have Problems with Cavity Wall Insulation

We are often asked what to do if you suspect that cavity wall insulation might be causing damp or other problems in your property. The answer, initially at least, is quite simple. There are three simple steps:

Firstly, contact the company who installed the cavity wall insulation and discuss it with them. Ask them to come and look at the problem and take a sample of the cavity wall insulation to establish whether it is wet. If it is, they should be able to indicate why and arrange for extraction if required.

Secondly, if the installer if unhelpful or no longer operates, contact CIGA to establish whether or not you have an industry standard 25 year CIGA Guarantee. If you do, they will be able to help you further and you may be able to resolve the problems under the terms of the guarantee.

Thirdly, if you do not have a guarantee or CIGA are unable to help, please contact Homeworks who will be able to help. We are one of the UK’s leading specialists in problems associated with cavity wall insulation. At the very least we will be able to offer advice and point you in the right direction. If appropriate, you may want us to survey your property to establish how to put the problem right. This may involve removing the cavity wall insulation.

So, remember, if you have a problem with CWI, go to your installer in the first instance, try CIGA next and, if you still need help, please pick up the phone to us.

Problems with Wet Cavity Wall Insulation Explained

We have re-published the following article that Ben Craig, Managing Director of Homeworks issued last year because we are aware that it has been widely read. We hope that it is of interest if you are experiencing problems with damp caused by cavity wall insulation. If you are in any doubt or would like a survey to clarify the cause of the problem, please do not hesitate to contact our specialist cavity wall extraction team on 01926 831851.

Do you have problems with damp cavity walls?

“We are being increasingly contacted by customers who are having issues with cavity wall insulation damp or condensation and wondering how best to solve them. It is not only solid wall properties that can suffer from condensation and damp penetration. If cavity wall insulation is badly fitted or gets wet it can cause a huge number of problems.” Homeworks Director Ben Craig

Condensation on Cavity Walls

Condensation on cavity walls often presents itself as black mould spots and is caused by the warm air inside the house condensing on cold wall areas. If cavity walls are filled properly by a reputable company you should not be experiencing this problem however there are a couple of cases in which this can happen:

Firstly some of the earliest cavity wall insulation, installed over 25 years ago and employing more rudimentary materials, may have slumped in the cavity wall, leaving cold spots that may be causing cavity wall condensation.

More recently, unfortunately, we see many cases of poorly installed cavity wall insulation where the wrong drill pattern or blowing pressure has left void spots which may lead to condensation.

We have also heard of shameful practices where cavity walls have been drilled but not one fibre of insulation is installed as the company is only interested in making a quick profit. As the industry is not regulated with invasive drilling there has so far been no way of checking if this has happened.

Damp Cavity Walls

Damp in cavity walls is noticeable as the internal plaster finish will start to blister and crumble as the moisture content rises. There are a number of causes for this:

Cavity wall insulation may have been damaged during flooding. After the winter we have just had this is a common occurrence.

Sometimes broken or poorly performing rainwater goods may have allowed water to penetrate the cavity.

The property may be located in an area of high exposure to wind driven rain and standard cavity wall insulation should not have been installed in the first place.

In cases of cavity wall condensation or damp  the only real course of action is to have the cavity wall extraction, and if suitable re-filled. Homeworks are specialists in this field, and we will survey and advise you of the best course of action. Please contact us to find or visit: cavity wall insulation extraction.

Cavity Wall Insulation and Damp

Do you have problems with damp cavity walls?

“We are being increasingly contacted by customers who are having issues with cavity wall insulation damp or condensation and wondering how best to solve them. It is not only solid wall properties that can suffer from condensation and damp penetration. If cavity wall insulation is badly fitted or gets wet it can cause a huge number of problems.” Homeworks Director Ben Craig

Condensation on Cavity Walls

Condensation on cavity walls often presents itself as black mould spots and is caused by the warm air inside the house condensing on cold wall areas. If cavity walls are filled properly by a reputable company you should not be experiencing this problem however there are a couple of cases in which this can happen:

Firstly some of the earliest cavity wall insulation, installed over 25 years ago and employing more rudimentary materials, may have slumped in the cavity wall, leaving cold spots that may be causing cavity wall condensation.

More recently, unfortunately, we see many cases of poorly installed cavity wall insulation where the wrong drill pattern or blowing pressure has left void spots which may lead to condensation.

We have also heard of shameful practices where cavity walls have been drilled but not one fibre of insulation is installed as the company is only interested in making a quick profit. As the industry is not regulated with invasive drilling there has so far been no way of checking if this has happened.

Damp Cavity Walls

Damp in cavity walls is noticeable as the internal plaster finish will start to blister and crumble as the moisture content rises. There are a number of causes for this:

Cavity wall insulation may have been damaged during flooding. After the winter we have just had this is a common occurrence.

Sometimes broken or poorly performing rainwater goods may have allowed water to penetrate the cavity.

The property may be located in an area of high exposure to wind driven rain and standard cavity wall insulation should not have been installed in the first place.

In cases of cavity wall condensation or damp  the only real course of action is to have the cavity wall extraction, and if suitable re-filled. Homeworks are specialists in this field, and we will survey and advise you of the best course of action. Please contact us to find or visit: cavity wall insulation extraction.

Your CIGA guarantee may be effective in these circumstances and you should check your guarantee as soon as possible, as if it is left without being treated, it could end up a lot more expensive for you and your health.

If you’ve got issues of any other nature with your Cavity Wall Insulation that may be down to the installer not following proper guidelines as to the install. It is now apparent that hundreds of thousands of home owners across the UK will need remedial work that will consist of a full extraction of the Cavity Wall Insulation and could well mean a whole host of other repairs and replacements directly caused by the install.

Contact Wall Cavity Claims today on free phone 0800-8-654321 or visit www.wallcavityclaims.co.uk

Why Steel or Timber Framed Properties Should Not Be Insulated with Cavity Wall Insulation

Steel and timber-framed houses should not be insulated with cavity wall insulation. However, few people seem to understand why.

Timber and, surprisingly to many, steel, both need air circulation to prevent rot or corrosion. Many of us will live in houses that have suspended timber floors, and will be aware of the air bricks strategically laid at damp proof course height. These air bricks allow air to circulate underneath the floor joists preventing rot developing and keeping the timbers healthy. The same practice is required inside the cavities of timber and steel-framed houses. Fully insulating the cavity with a retro blown cavity wall insulation product increases the risk of condensation forming and being trapped against the frame. With timber framing, this might lead to wood rot; with steel it will result in corrosion.

There are, thankfully, other ways to insulate a timber or steel framed property very effectively. External wall insulation, for instance, is extremely effective. Internal wall insulation is another option to consider.

If you live in a timber of steel framed property that has been insulated with cavity wall insulation, you will need to have it removed. Over time it may lead to serious structural damage. In addition to the lack of air circulation inside the property, it could also be damaging to your health.

If you have any further questions and require advice, please do not hesitate to contact us.

It is now apparent that hundreds of thousands of home owners across the UK will need remedial work that will consist of a full extraction of the Cavity Wall Insulation and could well mean a whole host of other repairs and replacements directly caused by the install, costing in excess of £10,000.

Mortgage lenders are also looking at properties which have had CWI installed and can devalue a property by as much as £30,000 if a valid CWI examination certificate is not available.

If you’ve got issues of any nature with your Cavity Wall Insulation that may be down to the installer not following proper guidelines as to the install, contact us for a free, no obligation review.

Contact Wall Cavity Claims today on free phone 0800-8-654321 or visit www.wallcavityclaims.co.uk

Why Does Rubble in A Cavity Wall Cause Problems?

Among many other things that a surveyor should be looking out for prior to any installation, Cavity Wall Insulation requires a clean cavity. Filling the cavity with insulation can cause damp if not cleaned correctly and this is often due to lumps of mortar (known in the trade as ‘snots’) lying at the foot of the cavity wall on the cavity ties.

As the wall was built it is possible that mortar fell in the cavity and came to rest on the ties. The problem is that rainwater hits the external skin and penetrates to the snot sitting on the tie. That is not a problem in an open cavity as the ventilation will dry any moisture penetration before it reaches the inner skin.

Filling the cavity with insulation will reduce the  ventilation. The rainwater will still hit the external skin and penetrate to the snot but now cannot be evaporated away and continues to penetrate to the inner skin across the insulation and emerges as a damp spot on the inner walls.

A good surveyor will check that your cavity wall is clean before filling it with insulation. Reputable insulation companies will do this for you as a matter of routine and give you an honest answer.

Unfortunately, we know that many cavity walls that contain rubble and mortar snots have been insulated. This has, or will more likely than not contribute to penetrative damp and further problems in time. In this situation, the cavity wall insulation will need to be removed fully.

Thermal imaging service is a useful tool to establish whether or not a cavity wall is being compromised by the presence of rubble and mortar snots. Although many cavity inspections clearly show an amount of rubble present in the base of the cavity and the insulation was

It is now apparent that hundreds of thousands of home owners across the UK will need remedial work that will consist of a full extraction of the Cavity Wall Insulation and could well mean a whole host of other repairs and replacements directly caused by the install, costing in excess of £10,000.

Mortgage lenders are also looking at properties which have had CWI installed and can devalue a property by as much as £30,000 if a valid CWI examination certificate is not available.

If you’ve got issues of any nature with your Cavity Wall Insulation that may be down to the installer not following proper guidelines as to the install, contact us for a free, no obligation review.

Contact Wall Cavity Claims today on free phone 0800-8-654321 or visit www.wallcavityclaims.co.uk

When Does Cavity Wall Insulation Need to Be Removed?

There are a variety of reasons why a property might need cavity wall extraction:

1) Slumping Insulation – Some of the earliest cavity wall insulation, employing more rudimentary materials, such as Urea Formaldehyde, has now slumped in the cavity wall, leaving cold spots that may be causing condensation.

2) Urea Formaldehyde – This form of cavity wall insulation was used for a period of time in many thousands of installations. We now know that this degrades over time losing it’s insulation properties and in the process can present health risks due to gases which are released as it degrades and so the removal of this type of insulation is advised.

3) Poorly Installed CWI – More recently, unfortunately, we see many cases of poorly installed cavity wall insulation where the wrong drill pattern or blowing pressure has left cold spots which may lead to condensation. Cavity wall insulation cannot be ‘topped up’ and so cavity wall extraction and correct re-installation is required. Other poor installation practices, such as not dealing with wall vents properly, can cause similar problems. You may have noticed that stories about poorly installed cavity wall insulation have been appearing more and more in the media. Keep an eye on our website and blog where we will be posting anything we see.

4) Flood/Water Damaged Insulation – Cavity wall insulation may have been damaged during flooding; sometimes broken or under performing rainwater goods may have allowed water to penetrate the cavity or the property may be located in an area of high exposure to wind driven rain. If cavity wall insulation becomes wet or damp, it really must be removed as this will transfer moisture to the inner skin of the property, damage wall finishes and potentially cause health hazards.

5) Unsuitable Building Type – the building, or a particular wall, may have been unsuitable for cavity wall insulation. Examples can be buildings with porous brickwork or mortar; steel and timber framed buildings; or buildings with high exposure to moisture.

6) Steel Framed Properties – We have had a few cases lately where we have been asked to carry out Extraction on Steel Framed properties. In all cases the customers have been trying to sell their properties but have found that potential buyers have been turned down for the mortgage due to the fact the property is insulated.

Cavity wall insulation is not recommended for steel framed houses because they need a well ventilated cavity to prevent moisture from building up and corroding the steel. If you have had CWI installed in a steel framed property you need to take immediate action.

If insulation were to get damp it would hold the moisture against the steel frame, particularly towards the bottom of the structure and make it more likely to corrode. In the majority of cases steel framed properties should not have been insulated in the first place.

If you find yourself in this situation fear not, all is not lost. The property can be Extracted.

The time and cost of cavity wall extraction depends entirely on the conditions that present themselves: the size of the property, the nature of the cavity wall and, of course, the material that must be extracted. It is difficult therefore to provide an indication of cost without gaining some more information about the particular job in question. However, we have tried to answer some questions about the cost of cavity wall insulation extraction here.

It is now apparent that hundreds of thousands of home owners across the UK will need remedial work that will consist of a full extraction of the Cavity Wall Insulation and could well mean a whole host of other repairs and replacements directly caused by the install, costing in excess of £10,000 and up to £30,000 in come cases. CIGA guarantee certificates generally stipulate an amount of cover on the certificate between £10,000 and £25,000

Mortgage lenders are also looking at properties which have had CWI installed and can devalue a property by as much as £30,000 if a valid CWI examination certificate is not available.

If you’ve got issues of any nature with your Cavity Wall Insulation that may be down to the installer not following proper guidelines as to the install, contact us for a free, no obligation review.

Contact Wall Cavity Claims today on free phone 0800-8-654321 or visit www.wallcavityclaims.co.uk

When Are Properties Unsuitable for Cavity Wall Insulation?

We regularly come across properties that are unsuitable for cavity wall insulation. The following list comprises the most common reasons but it not intended to be exhaustive:

  • Properties with elevations that are particularly exposed and susceptible to wind driven rain
  • Timber framed properties
  • Steel framed properties
  • System built properties
  • Properties with defective rainwater goods and/or unlined finlock guttering
  • Properties where there are significant areas of (require re-pointing) or masonry
  • Properties that are experiencing issues with penetrative damp
  • Properties without a DPC, or where the DPC is too low (typically less than 125mm from the ground) and a French drain has not been installed
  • Some properties with raked mortar joints
  • Properties with a cavity wall under 50mm or over 150mm
  • Properties that have significant rubble or mortar ingress in the cavity

We are regularly asked to survey properties that exhibit these characteristics which have been filled with cavity wall insulation. The outcome is often that it has become damp and is now causing a range of further problems. In this situation, it is almost certain that the cavity wall insulation will need to be extracted.

It is now apparent that hundreds of thousands of home owners across the UK will need remedial work that will consist of a full extraction of the Cavity Wall Insulation and could well mean a whole host of other repairs and replacements directly caused by the install, costing in excess of £10,000.

Mortgage lenders are also looking at properties which have had CWI installed and can devalue a property by as much as £30,000 if a valid CWI examination certificate is not available.

If you’ve got issues of any nature with your Cavity Wall Insulation that may be down to the installer not following proper guidelines as to the install, contact us for a free, no obligation review.

Contact Wall Cavity Claims today on free phone 0800-8-654321 or visit www.wallcavityclaims.co.uk