Five Home Renovations Never Worth Doing Yourself

[Nick]

That is NOT making stuff up, it is specific, if you bother to wade through the documentation for your house insurance uncertificated work and no insurance. (My house insurance documents is 48 pages of A4.)

DIY jobs you are unqualified for can void home insurance (actuarialpost.co.uk)

New research commissioned by GoCompare Home Insurance, reveals that millions of Brits are putting themselves and their property at risk this bank holiday weekend by undertaking DIY jobs that should be left to professionals.

According to the research, only 43% of homeowners would employ a professional tradesman to undertake home maintenance jobs. Most (58%) would attempt the jobs themselves or would enlist help from friends or family. A handful (7%) admitted to putting off home maintenance jobs. Worryingly 29% of DIY-ers said they would attempt plumbing jobs, just under a quarter (24%) would undertake electrical work while 13% would try to fix the boiler or central heating system. For safety reasons, electrical, plumbing and gas work should be carried out by a registered professional and tackling jobs you're not qualified for could also invalidate your home insurance, leaving you liable for the cost of repairing any subsequent damage. The survey also asked homeowners about the maintenance jobs on their to-do lists. Servicing the boiler topped the list followed by repairing cracked walls, re-doing exterior paintwork and fixing damp problems. The top 10 outstanding maintenance jobs in UK homes Servicing the boiler Repairing cracked walls Painting and repairing exterior paintwork Fixing a damp problem Replacing boundary fences or walls Blocked or damaged gutters Repairing damaged brickwork or mortar Fitting smoke or carbon monoxide detectors Replacing sealant around baths and showers or cracked shower trays or baths Updating electrical wiring Before tackling any DIY jobs, GoCompare is urging people to check their home insurance to ensure they're covered against accidental damage and their planned work won't invalidate their policy. Most policies don't cover accidental damage to your home or belongings unless you have specifically added cover. A review of home buildings and contents insurance policies found that only 17% of buildings and 16% of contents policies include cover for accidental damage as a standard policy feature. Most (81% of buildings and 82% of contents) policies offer accidental damage cover as an optional extra, while 2% of buildings and 2% of home contents policies exclude cover altogether. Ryan Fulthorpe, home insurance expert at GoCompare commented, "We've all heard horror stories of botched DIY, where someone has accidentally knocked a nail through a water pipe or drilled through complex wiring. What people may not be aware of is some these well-intentioned DIY-ers may have had to pick up the bill for the repairs if their home insurance doesn't cover accidental damage. You also should be aware some policies will exclude damage caused by cleaning. "Accidental damage cover provides for loss or damage to your property and possessions as a result of an unforeseen accident. Common reasons insurers give for refusing accidental damage claims are that the policy did not cover the event that occurred, or that it wasn't an accident. Policies also exclude cover for poor workmanship or faulty materials. So, a claim for damage caused by dodgy DIY work or for tasks such as plumbing or electrical work you're not qualified to do may be refused." Ryan continued, "Water damage is among the most common household claims. However, policies exclude damage which has occurred gradually or, damage which could have been avoided by regular maintenance – such as cleaning gutters of leaves. So, it's important to keep on top of regular home maintenance jobs which could otherwise damage your property over time." GoCompare Home Insurance's tips for DIY-ers: Use a qualified tradesman for electrical, plumbing and gas work who can carry out the work safely and provide you with the relevant certificates; Move your belongings out of harm's way, protect large pieces of furniture, flooring, and carpets with dustsheets and masking tape; Before drilling a hole - check the wall or flooring for the position of embedded electrical wires or pipework using a cable/pipe detector; Make sure you have the correct tools for the job. For your personal safety read instructions and familiarise yourself with your tools; Be realistic about the complexity of the job, your own capabilities and the length of time required to complete the task.

Just a load of txt saying nothing about insurance being void if you do DIY. 
For the last time, it's says 'You may not be insured if you cause damage'

I WILL NOT BE RESPONSING TO YOUR BOLLOX AGAIN. 

[papasmurf]

No you haven't, that is a lie. This is what your own link says.


Once again you are making stuff up.

That is NOT making stuff up, it is specific, if you bother to wade through the documentation for your house insurance uncertificated work and no insurance. (My house insurance documents is 48 pages of A4.)

DIY jobs you are unqualified for can void home insurance (actuarialpost.co.uk)

New research commissioned by GoCompare Home Insurance, reveals that millions of Brits are putting themselves and their property at risk this bank holiday weekend by undertaking DIY jobs that should be left to professionals.

According to the research, only 43% of homeowners would employ a professional tradesman to undertake home maintenance jobs. Most (58%) would attempt the jobs themselves or would enlist help from friends or family. A handful (7%) admitted to putting off home maintenance jobs. Worryingly 29% of DIY-ers said they would attempt plumbing jobs, just under a quarter (24%) would undertake electrical work while 13% would try to fix the boiler or central heating system. For safety reasons, electrical, plumbing and gas work should be carried out by a registered professional and tackling jobs you're not qualified for could also invalidate your home insurance, leaving you liable for the cost of repairing any subsequent damage. The survey also asked homeowners about the maintenance jobs on their to-do lists. Servicing the boiler topped the list followed by repairing cracked walls, re-doing exterior paintwork and fixing damp problems. The top 10 outstanding maintenance jobs in UK homes Servicing the boiler Repairing cracked walls Painting and repairing exterior paintwork Fixing a damp problem Replacing boundary fences or walls Blocked or damaged gutters Repairing damaged brickwork or mortar Fitting smoke or carbon monoxide detectors Replacing sealant around baths and showers or cracked shower trays or baths Updating electrical wiring Before tackling any DIY jobs, GoCompare is urging people to check their home insurance to ensure they're covered against accidental damage and their planned work won't invalidate their policy. Most policies don't cover accidental damage to your home or belongings unless you have specifically added cover. A review of home buildings and contents insurance policies found that only 17% of buildings and 16% of contents policies include cover for accidental damage as a standard policy feature. Most (81% of buildings and 82% of contents) policies offer accidental damage cover as an optional extra, while 2% of buildings and 2% of home contents policies exclude cover altogether. Ryan Fulthorpe, home insurance expert at GoCompare commented, "We've all heard horror stories of botched DIY, where someone has accidentally knocked a nail through a water pipe or drilled through complex wiring. What people may not be aware of is some these well-intentioned DIY-ers may have had to pick up the bill for the repairs if their home insurance doesn't cover accidental damage. You also should be aware some policies will exclude damage caused by cleaning. "Accidental damage cover provides for loss or damage to your property and possessions as a result of an unforeseen accident. Common reasons insurers give for refusing accidental damage claims are that the policy did not cover the event that occurred, or that it wasn't an accident. Policies also exclude cover for poor workmanship or faulty materials. So, a claim for damage caused by dodgy DIY work or for tasks such as plumbing or electrical work you're not qualified to do may be refused." Ryan continued, "Water damage is among the most common household claims. However, policies exclude damage which has occurred gradually or, damage which could have been avoided by regular maintenance – such as cleaning gutters of leaves. So, it's important to keep on top of regular home maintenance jobs which could otherwise damage your property over time." GoCompare Home Insurance's tips for DIY-ers: Use a qualified tradesman for electrical, plumbing and gas work who can carry out the work safely and provide you with the relevant certificates; Move your belongings out of harm's way, protect large pieces of furniture, flooring, and carpets with dustsheets and masking tape; Before drilling a hole - check the wall or flooring for the position of embedded electrical wires or pipework using a cable/pipe detector; Make sure you have the correct tools for the job. For your personal safety read instructions and familiarise yourself with your tools; Be realistic about the complexity of the job, your own capabilities and the length of time required to complete the task.

[Nick]

Nick I have referenced that uncertificated work can nullify your house insurance so basically yet again it is YOU who is wrong.

No you haven't, that is a lie. This is what your own link says. 


Once again you are making stuff up. 

[papasmurf]

You're talking utter crap, and repeating it doesn't make it right. You cannot show one bit of evidence stating insurance will be voided if I do electrical work.

Nick I have referenced that uncertificated work can nullify your house insurance so basically yet again it is YOU who is wrong.

[Nick]

Nick it is you who keeps writing bollox. You really do need to read ALL of your insurance documentation.

You're talking utter crap, and repeating it doesn't make it right. You cannot show one bit of evidence stating insurance will be voided if I do electrical work. 

[papasmurf]

Pappy is a liar and a fantasist and a fool and he is such a fool that he believes his own lies and fantasises.

The general rule is that most building work has to be passed by a competent person, which means that if you want bricks laid you hire Flamur, who paid hard cash for his qualifications in Tirana, for roofing you shout, Oy, mush, wonga and tell my relatives to stand in line and most everything else can be done easily enough and provided the lights come on and the taps don't leak, then everything is fine.

The real bugger is plastering, about which I am completely useless, and which is not made any easier by the average plasterer's trick of finishing a ceiling in half an hour and then standing there with a half apologetic grin on his face and saying well, it is nothing really

It is YOU who keep lying about me. You are a sad vindictive and very nasty person.  I suggest you read your household insurance policies in full as well.  

[Borchester]

I don't need to read my insurance, you're talking bollox.

Pappy is a liar and a fantasist and a fool and he is such a fool that he believes his own lies and fantasises.

The general rule is that most building work has to be passed by a competent person, which means that if you want bricks laid you hire Flamur, who paid hard cash for his qualifications in Tirana, for roofing you shout, Oy, mush, wonga and tell my relatives to stand in line and most everything else can be done easily enough and provided the lights come on and the taps don't leak, then everything is fine.

The real bugger is plastering, about which I am completely useless, and which is not made any easier by the average plasterer's trick of finishing a ceiling in half an hour and then standing there with a half apologetic grin on his face and saying well, it is nothing really

[papasmurf]

I don't need to read my insurance, you're talking bollox.

Nick it is you who keeps writing bollox. You really do need to read ALL of your insurance documentation.

[Nick]

If any DIY electrical work is not certificated it voids your insurance. (Read your insurance policy.)

I don't need to read my insurance, you're talking bollox.

[papasmurf]

I don't need to ridicule you, you do that just fine on your own.
And I repeat: certain rooms require a qualified person, ie bathroom and kitchen. Part P is a very easy qualification that is given to a plumber to allow a fused spur for a boiler installation.
None of which voids your insurance, unless you totally balls it up and try to claim on your insurance, and just cause you keep repeating it doesn't make it so.

If any DIY electrical work is not certificated it voids your insurance. (Read your insurance policy.)

[Nick]

Lucky you, but can you certificate your own work. Plus rather than keep abusing and ridiculing me I suggest you read ALL the documentation for your house insurance.


DIY jobs that could invalidate your home insurance | The Argus

I don't need to ridicule you, you do that just fine on your own. 
And I repeat: certain rooms require a qualified person, ie bathroom and kitchen. Part P is a very easy qualification that is given to a plumber to allow a fused spur for a boiler installation. 
None of which voids your insurance, unless you totally balls it up and try to claim on your insurance, and just cause you keep repeating it doesn't make it so. 

[papasmurf]

Firstly, I am qualified to do any electrical work and have done so up to 900 kw.

Lucky you, but can you certificate your own work. Plus rather than keep abusing and ridiculing me I suggest you read ALL the documentation for your house insurance.


DIY jobs that could invalidate your home insurance | The Argus

[Nick]

Nick I am NOT making "stuff" up at all. No certification for work carried out, no insurance and you will not be able to sell a house without such certification.  Your Cavalier attitude will bite you badly on a the backside one day.

Firstly, I am qualified to do any electrical work and have done so up to 900 kw. 
And now the famous Smurf Strawman, nobody mentioned selling a house. You initially said it was illegal to do the work, then it changed to voiding insurance, and now you change the story to selling a house: for which anyone can still do work like adding a new socket, spur or light, if not in a kitchen for example. 

[papasmurf]

You're just making stuff up again, it says if you're not qualified and cause damage they won't pay out for that specific damage. Nowhere does it say your insurance will be voided if you do electrical work in your own home. More dramatics!!

Nick I am NOT making "stuff" up at all. No certification for work carried out, no insurance and you will not be able to sell a house without such certification.  Your Cavalier attitude will bite you badly on a the backside one day.

[Nick]

Nick if carry out work yourself and you are uncertificated it nullifies your house insurance.


Home renovation insurance | Go.Compare (gocompare.com)

Remember, you're unlikely to make a successful claim on your home insurance if you attempt to do electrical, plumbing or gas work you aren't qualified to do too. And if you cause damage through your own dodgy workmanship, your policy probably won't pay out either.

You're just making stuff up again, it says if you're not qualified and cause damage they won't pay out for that specific damage. Nowhere does it say your insurance will be voided if you do electrical work in your own home. More dramatics!!