Here at Hawksbeck, we advise all our clients to tell their house insurance company before work on their garden room starts. When you’re having building work done, even a garden room, it nearly always increases the risk of damage to your property. Insurers are, of course, aware of this and in all cases require you to notify them. It’s generally part of your policy that your insurer needs to be notified, even before work starts as they want to understand what you’re planning. It’s a common mistake to think that because the work is being carried out outside of the home that you do not need to inform them.
When one of our clients informed their house insurance company that they were having a garden room built, the insurance company wanted to know the following questions;
1. Does your garden room provider have public liability insurance?
Yes, at Hawksbeck we have public liability insurance and so do all of our subcontractors. Public liability insurance covers the cost of compensation for: personal injuries and loss of or damage to property. Public Liability Insurance is not a legal requirement, so it’s important to check your garden room provider has it. At Hawksbeck we consider it essential.
2. Do you have planning permission or a certificate of lawful development for your proposed garden room?
Yes, we applied for a Certificate of Lawful Development on our clients’ behalf. We recommend that all clients apply for a certificate of lawful development on their proposed garden room. The plans are drawn up by architects and are then submitted by Hawksbeck on the clients’ behalf. The certificate is issued by the council and is confirmation that your garden room has legal status. Should you wish to sell your house, solicitors representing purchasers will require documentary evidence that your garden room is lawful. It also provides necessary evidence that any works being undertaken are lawful.