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Homebuyers Report

Recent research shows that 1 in 4 home buyers have to spend an average of £2500 correcting defects in their new home that would have been identified if they’d had a survey carried out.

A homebuyers report is the most popular report format. It embraces all the content of the RICS Condition Report and insurance rebuild costs. It also identifies defects that may affect the value of the property.

We undertake Homebuyer reports across the UK but we predominantly undertake Homebuyer reports around Littleborough, Todmorden, Rochdale, Manchester and surrounding areas.

We have recently teamed up with Panda Plumbing and Heating to be able to provide a combined service. We can now undertake a gas safety inspection at the same time as our inspection to undertake a HomeBuyers (level 2) or Building Survey (Level 3).

If this is a service of interest to you please make us aware during your enquiry.

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RICS Building Survey

A RICS full building survey is the most detailed inspection and report of a property. We provide a summary with any red flag items otherwise known as potential 'deal breakers' within 24 hours of the inspection. 

The full report then normally follows within 5 working days (although this can be reduced if required) and includes a summary of the findings and indication of the costs likely to be needed to rectify any defects identified along with a schedule of photographs.

People often find choosing between a level 2 Homebuyer survey and a level 3 Building difficult; however, we have prepared a table to help you make the decision. We are also happy to provide example reports so that you can clearly see the extent of what is included.

The link to our table is featured on : http://riskaverseltd.co.uk/faq/

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New Build Snagging Survey

If you've bought a new-build home, you're probably expecting it to be absolutely perfect. Unfortunately, though, even the best new homes can have issues.

A snagging survey is designed to check for problems with a new-build home. Developers should fix problems identified in snagging surveys quickly - ideally before you move in.

Unlike traditional home surveys, snagging surveys pick up everything from minor issues, such as a door that doesn't close properly to more serious problems.

You can technically have a snagging survey done at any time during the first two years of living in a new-build home, and the developer must repair any defects reported during this period, however it is better if the survey is undertaken prior to you moving in or as soon as you have moved in.

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Measured Surveys

A measured building survey is an accurate representation of your building showing all the structural elements and features. Floor plans are essential to give an accurate representation of the building and this is backed up with elevations and cross sections presented as a scaled survey drawings.

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Schedules of outstanding works (Other works) -

A schedule of outstanding works is a document that outlines the works left to complete the property and/or works remaining within a contract or refurbishment specification.

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Condition Surveys

A schedule of condition (SOC) is a factual record of the condition of a property, normally prepared for legal or contractual reasons.

It includes a schedule of photographs with descriptions.

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Principal Designer

A principal designer is a designer who is an organisation or individual (on smaller projects) appointed by the client to take control of the pre-construction phase of any project involving more than one contractor.

Principal designers have an important role in influencing how risks to health and safety are managed throughout a project. Design decisions made during the pre-construction phase have a significant influence in ensuring the project is delivered in a way that secures the health and safety of everyone affected by the work.

On a domestic client project where the domestic client does not appoint a principal designer, the role of the principal designer must be carried out by the designer in control of the pre-construction phase. When working for a domestic client, the client duties will normally be taken on by another dutyholder (often the principal contractor on projects involving more than one contractor). However, the principal designer can enter into a written agreement with the domestic client to take on the client duties in addition to their own.

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Loss Adjustment Insurance - Survey & RCA

Here at Risk Averse Ltd we can also prepare insurance reinstatement cost assessments on behalf of landlords, tenants and/or loss adjusters.

The reinstatement costs assessment takes into account the reinstatement cost of the building including demolition, site clearance and professional and statutory fees.

If your property changes and is damaged or destroyed, then you will need to make a claim. By employing a system known as ‘averaging’ to your claim, the insurer will only cover a percentage of the full reconstruction costs. Meaning that you will not receive the necessary payment and instead be expected to provide the remaining funds yourself. So, there is therefore a danger of being under insured if you do not have an up to date RCA.

We recommend that a reinstatement cost assessment is prepared in line with current RICS guidance which states every 3-5 years.  A reinstatement costs assessment should also be undertaken where any extensions have been undertaken or if the appearance or formation  has changed.