I will always provide the appropriate level of survey for my client's needs. The principle forms of inspection are:
Mortgage Valuation
This has one purpose only - to satisfy a lending institution that the house you want to buy is a sufficiently
valuable asset which can be sold to repay the loan should you be unable to keep up repayments in future. Although you, as a purchaser are owed a 'duty of care' and will pay all costs of the 'valuation', the report is designed specifically for the needs of a Lender.
It is presented as a brief document which provides very little useful information as a prospective owner with regard to the condition and structural stability of the building
The Homebuyer Survey
The style of reporting is determined by the RICS, and is designed to be a concise appraisal of a property's condition identifying items of present and potential "significant"
defect. A significant defect is one which will materially affect the sale price of the property.
The Building Survey
A building survey is presented in freestyle prose, and each chartered surveyor will follow his own preferred presentation method. The survey is more detailed
than the Homebuyer Survey, and this has cost implications. Specific client concerns can be answered in full.
Defect Diagnosis
I am usually able to diagnose the cause of specific building defects including dampness, decay, woodworm, structural instability and many more issues.
Typical Problems which may affect your home
Damp can actively promote many of the problems that concern property owners. Timber decay and woodworm can be encouraged by damp conditions.
Rising Damp occurs when the breakdown of a building's Damp Proof Course (DPC) allows moisture to "wick" upwards through the structure by capillary action.
A DPC installed during construction will be a physical layer of an impermeable material. This can consist of slate, bitumen impregnated felt or plastic.
Many older properties do not have a DPC at all and a local change in ground conditions can increase the level of moisture in the foundations leading to rising dampness in the property. DPC's may be "bridged" by allowing soil levels to extend above the level of the membrane.
Condensation. Modern living creates more water vapour in properties than ever before. These days we are all encouraged to insulate our properties and keep heating costs down. This may lead to condensation problems in many properties, most often found in bathrooms and kitchens and on the north elevations of a building. The desire to eliminate draughts and save heating costs often results in air bricks being removed or blocked thus restricting airflow to the sub floor voids. These should be replaced or cleared to allow air to circulate. Since warm moisture laden air loses its ability to hold water when it cools it will deposit the water when it comes into contact with a cold surface such as an outside wall. Mould will then use this damp surface upon which to germinate. Condensation is a very common form of dampness found in properties and due to the efficiency of insulation and double glazing it often affects both modern and older houses with replacement double glazing and with blocked chimney flues.
Timber Decay Dry Rot (Serpula Lacrymans - weeping fungus -) because of its apparent ability to grow in dry areas, this clever fungus has developed the ability to soak up moisture from timber, totally drying it out, and then develop strands (hyphae) which can travel across and through bricks and mortar to other timbers. Dry rot is very distinctive and both difficult and expensive to eradicate. Wet Rot is the generic name given to a family of fungi which attack wet timber. They vary in severity of damage but none possess the ability to pass through inert material to spread to other damp timbers like dry rot. Thus wet rot is in localised areas where timbers are exposed to considerable amounts of water ingress. Externally exposed timber, timber in contact with wet soil or masonry, or timber subject to a damp atmosphere can all suffer from wet rot. Some wet rots look very different from dry rot - the timber looks bleached and does not crumble. Others look very similar to dry rot and an expert surveyor is needed to make a diagnosis.
Externally exposed timber, timber in contact with wet soil or masonry, or timber subject to a damp atmosphere can all suffer from wet rot. Some wet rots look very different from dry rot - the timber looks bleached and does not crumble. Others look very similar to dry rot and an expert surveyor is needed to make a diagnosis
Woodworm Wood boring insects such as the Common Furniture Beetle and Wood Boring Weevil are often known under the generic term "woodworm". The Common Furniture Beetle will attack all types of structural timber and accounts for the majority of all insect damage to properties. It is most commonly found in older properties although the beetle can also be found in more modern properties. Very old properties can have flight holes which became inactive many years ago and to the layman are difficult to distinguish from active infestations which need treatment. Woodworm can significantly reduce the strength of structural timbers.
Wall Ties From about 1900 onwards most buildings were constructed with cavity walls. Wall ties are used to tie the inner and outer skins of the wall together and reach across the cavity between them. Until relatively recently wall ties were manufactured from mild steel. These days the ties are zinc coated, but the coating corrosion protection deteriorates with time. Corrosion of the mild steel can cause the tie to fail and expand in size significantly. The expansion can cause lateral cracking which is often clearly seen on exposed elevations.
Should a problem be diagnosed during the Homebuyer or Building Survey, it may be possible to re-negotiate the purchase price to take this in to account.
Damp can actively promote many of the problems that concern property owners. Timber decay and woodworm can be encouraged by damp conditions.
There are many causes of movement which affect buildings. Settlement Where the weight of a building causes the ground beneath to compress. This will very often occur at the beginning of a building's life and then cease.
Subsidence occurs when an external factor is applied to the ground beneath the building, causing it to soften, compress shrink or fall away. The main causes of subsidence are: the presence of trees (or large shrubs) causing the ground to dry out, and the effects of leaking drains or water mains (softening or washing away the ground).
Settlement, Subsidence and Heave
A seasonal cycle of subsidence and heave may occur where the ground dries out in the summer and swells after leaf fall in autumn.
"Subsidence": This is a much misunderstood subject, and much feared by the householder.
All buildings move to some extent, but the bulk of problems are due to 'differential movement', where it moves unevenly, or where one part moves relative to another causing cracks in walls or in extreme cases structural failure. Fortunately often the
problem is only cosmetic.
Heave: This is essentially the opposite of subsidence. An external factor causes the ground to swell and expand. Such factors can include the death or felling of nearby trees.