FAQ on the DIG scheme

What is covered when a property is fully underpinned?

The underpinning works are insured should damage arise as a consequence of a defect in design, materials or workmanship. They are covered regardless of who carried out the design

What other works can be insured?

The underpinning works are insured together with the other works declared on the Contract Notification Form (CNF). Any other works to be insured i.e. repair works, structural works etc need to be described on the CNF and the relevant sums insured detailed.

Can we insure new works ?

Yes. The following activities can be insured: groundworks, piling, groundslabs, foundations, minor building works and the installation of new basements and enlargement of existing ones. This list is not exhaustive and other items may be insured by agreement with John Wood of the Ridd Wood Partnership.

Can we insure repair works even though underpinning was not carried out ?

Yes. Similarly to the above the works only need to be described and sums insured advised.

What is insured if a house is only partially underpinned?

The cover available is dependent on the role of the ASUC member:

  1. If the extent of the underpinning works was specified by a party other than the ASUC member the cover is limited to the actual works carried out by the ASUC member. Therefore any defect in the detailed design, materials, components or workmanship of the areas actually underpinned that caused damage would be covered. The DIG policy would not provide cover if the third party had under designed the extent of the underpinning or the overall solution. In those circumstances the householder would notify a claim to their Building Insurer.

  2. If an ASUC member is asked to stabilise a property and chooses, without any advice or instruction from a third party, to only partially underpin the property then damage resulting from movement of the untreated areas would be covered up to the Limit of Indemnity should the householder be unable to recover from their Building Insurer.

What is covered under a design and build contract?

An ASUC member may design the concept or extent of the underpinning works or may design the details of a scheme. If the member designs the concept and extent of an underpinning solution then answer 2 above applies. If the ASUC member designs the details of the underpinning then answer 1 applies.

The same principles apply to works other than underpinning that are to be insured.

What is covered when an ASUC member carries out the following activities?

wall ties, transition beams and wall plates

Any defect in the design, workmanship, materials or components of the works carried out by the ASUC member are covered but the design concept is not included. Should a wall tie fail then cover is available but if the concept, i.e. in using wall ties or the extent specified by others, should cause the problem then there is no cover available.

structural repairs

The design of the structural repairs is covered only if the ASUC member designed the works. Any defect in the workmanship, materials or components of works carried out by the ASUC members are automatically covered.

ring beams

The purpose of ring beams is to strengthen a property and this may not prevent future settlement. Therefore the DIG policy provides cover should there be any defect in the design, workmanship, materials or components of the ring beams and damage results from the failure of the ring beams to strengthen the property .Should there be future settlement however this will not be covered.

pressure grouting

As a rule the DIG Scheme does not provide cover for pressure grouting however individual applications can be made to the Ridd Wood Partnership for consideration.