
Rectify or replace 1980s loft conversion?
The article discusses a landlord's dilemma regarding a 1981 loft conversion in a dormer bungalow that received planning permission but lacks Building Regulations approval. The property owner, Michele, acquired the bungalow with an indemnity policy covering the absence of Building Regulations approval. A recent survey identified a slight slope in the floor of a corner bedroom within the loft conversion, prompting concerns about future saleability and potential rectification costs. Three builders suggested a straightforward repair involving removing internal walls, adjusting joist height, and reinstalling walls. Michele is considering several options: proceeding with the builders' suggested repair, commissioning a Level 3 structural survey to identify and address all issues (raising concerns about voiding the indemnity policy if local authority building control becomes involved), or replacing the entire loft conversion. Michele plans to sell the property within five years and is aware of potential buyers' reluctance due to the lack of Building Regulations documentation.
Comments from other landlords provide varied advice. One commenter, NewYorkie, questions the necessity of removing internal walls for floor leveling and considers replacing the entire loft conversion solely for Building Regulations compliance an unnecessary expense. NewYorkie also notes that solicitors often do not raise concerns about work completed over 10 years ago and that an indemnity policy is usually sufficient. A crucial point highlighted is that contacting the council for Building Control involvement would likely void the existing indemnity insurance. Chris H, another commenter, states that in the UK, councils typically cannot retrospectively enforce regulations beyond 15 years. Chris suggests exploring the cost of leveling the floor and shares a positive experience with a property inspection company, Isnag4u, for assessing property issues.
Wyn Burgess advises Michele to engage a structural or building engineer to assess the work required for retrospective approval. Burgess suggests that such approval could be more expensive than a new loft conversion due to potential requirements for replacing beams, increasing headroom, and adding insulation. Without Building Control approval, Burgess states that the loft can only be legally marketed as storage, although buyers might understand its practical use. Michele also clarifies that the builders would need to remove the flooring to accurately assess the extent of the sloping. The overarching concern for Michele is the potential impact of lacking a Building Regulation or Regularisation Certificate on future property sales, given instances where buyers have been advised against purchasing properties without these documents. The discussion underscores the complexities and potential financial implications of owning a property with historical modifications that lack proper regulatory approvals, especially when planning to sell.
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