Frequently Asked Questions
Cavity wall insulation is the insulation between the outer brick wall and the wall in inside your house. This could have been placed there when the house was built, or injected at a later date. Most houses that were made before the 1980s were not built with insulation.
There are a number of indications that your cavity wall insulation is faulty. The main ones are damp (or the smell of damp) mould, condensation, and cold spots. These issues could be a result of a lack of ventilation in your home, however if you try to keep your windows open and the issue is still there, it is highly likely there is an issue with your CWI.
By filling out our claims form we will analyse the information you have provided and if it is likely you have a faulty CWI, we will book you in for a FREE survey to make 100% sure there is an issue.
Millions of homeowners in the UK were signed up to the cavity wall insulation scheme in a government bid to save energy. However, a recent study shows that more than 1.5 MILLION homes were left blighted by botched cavity insulation work carried out to meet Government energy targets.
Most of the cavity wall insulation firms had to register with CIGA – Cavity Insulation Guarantee Agency.
CIGA offered a 25 year guarantee for the insulation, either themselves or through insurance. This means that if your insulation was installed within 25 years, you are eligible to claim.
The Conditional Fee Agreement (also known as “No Win, No Fee”) is a legal funding arrangement provided the client co-operates with their obligations to give us instructions to progress the claim. The client only pays for the legal fees if they are successful and receive compensation. This allows lawyers to act for client’s who do not have the benefit of other means of funding legal expenses. You must take advice and co-operate with your lawyer to progress your claim.
If the claim is successful, your law firm approach the Defendant for their costs. In addition to this you have an agreement with Housing Triage for 25% (Incl. VAT) to be deducted from their damages.
After the Event Insurance is purchased alongside a Conditional Fee Agreement and covers your claim in respect of any fees incurred by the Defendant If the claim is unsuccessful, the ATE Insurance will pay the Defendant’s costs. The ATE premium is self-insuring and therefore you do not pay the premium if the claim is unsuccessful. The ATE premium is payable from the damages if the client is successful.
The law firm will not take any fee, they approach the defendant for costs of pursuing the claim. You do however have an agreement with Housing Triage for which we are entitled to 25% (incl. VAT) of any damages awarded. On settlement SSB will deduct the 25% (incl. VAT) to go to Housing Triage and the After the Event Insurance Premium. The remainder goes to the client.
If you follow your law firm’s reasonable advice and cooperate with them and are unsuccessful, you will affectively be in the same position you are pre-claim. They will not have any compensation to put towards repairs to your property but you will not have lost anything or paid anything. The law firm will not recover any costs in this situation and the defendant’s costs are covered by the After the Event Insurance Policy. The insurance premium is also not payable.
This depends on which ATE Provider has provided the policy. You will receive a copy of the ATE policy once you have signed the CFA and this contains all the information in respect of the ATE premium and what you will pay on settlement of the claim at each stage. You will only pay this premium when SUCCESSFUL out of the compensation you have been awarded. If unsuccessful, you do not pay this premium.
We are unable to provide a set period of time for the length of the claim. This depends on many factors including the defendant’s response and whether we issue the claim into the court process. The law firm envisage 9 to 18 months, unless the case proceeds to trial or is a high value complex claim. The law firm will, of course, keep the you informed of progress throughout, explain the reasons for any delays and advise you if any additional, unforeseen work becomes necessary. You can help progress the speed of your claim by cooperating with the law firm and returning/supplying documents to us in a timely manner.
We are unable to provide a figure, this depends again, on many factors. The surveyor will provide an estimate of the cost of any works needed to repair the damage to the property and place it back into the condition it was in prior to the CWI being installed. This will form the basis of the value of the claim.
If you have any questions or would like to speak to one of our experienced consultants, fill in the form below to request a call back.
If you would like to make a claim, please fill in our specific claims form