When having work done on your home there is always the chance that it could damage the neighbouring properties, and this could be as a result of subsidence, lowering of ground water or vibration, amongst other things. These are all issues that are not your fault or the contractor's fault, and you will need a special policy to cover yourself if this occurs.
If you are having your home extended, refurbished or you're making any other significant changes then it is hugely important to make sure that you have the right level of cover to protect yourself if anything goes wrong. This is true not only for your own property, but also any property surrounding you such as your neighbour’s home or any other buildings, as the work being done could also have an impact on them. This is particularly true if work is being done on the foundations, as the landscape and geology of the local area is something that is out of your control.
You will require a Joint Contracts Tribunal Clause insurance policy, and this will protect you from any damages that will occur to the surrounding properties that are not your fault or the fault of the contractor. In specific terms, it will generally cover you for damage done to neighbouring properties by collapse, subsidence, weakening of support, removal of support, lowering of ground water and vibrations. As these are all impossible to predict it is very important to consider signing up for JCT insurance if you are planning on having any work done at all on your home. If damage does occur then it could cost you a lot to repair the damage done to your neighbour's home as well as legal costs to defend yourself – perhaps most importantly, it will also put back your plans on the work done to your own home.
If you are having your home extended, refurbished or you're making any other significant changes then it is hugely important to make sure that you have the right level of cover to protect yourself if anything goes wrong. This is true not only for your own property, but also any property surrounding you such as your neighbour’s home or any other buildings, as the work being done could also have an impact on them. This is particularly true if work is being done on the foundations, as the landscape and geology of the local area is something that is out of your control.
You will require a Joint Contracts Tribunal Clause insurance policy, and this will protect you from any damages that will occur to the surrounding properties that are not your fault or the fault of the contractor. In specific terms, it will generally cover you for damage done to neighbouring properties by collapse, subsidence, weakening of support, removal of support, lowering of ground water and vibrations. As these are all impossible to predict it is very important to consider signing up for JCT insurance if you are planning on having any work done at all on your home. If damage does occur then it could cost you a lot to repair the damage done to your neighbour's home as well as legal costs to defend yourself – perhaps most importantly, it will also put back your plans on the work done to your own home.
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