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FAQ on
the DIG scheme
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
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.
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.
Yes. Similarly to the above the works
only need to be described and sums insured advised.
The cover available is dependent on the
role of the ASUCplus member:
If the extent of the underpinning works
was specified by a party other than the ASUCplus
member the cover is limited to the actual
works carried out by the ASUCplus
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.
If an ASUCplus
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.
An ASUCplus
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 ASUCplus 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.
Any defect in the design, workmanship,
materials or components of the works carried out by the ASUCplus
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.
The design of the structural repairs is
covered only if the ASUCplus member designed the works. Any defect in the workmanship,
materials or components of works carried out by the ASUCplus
members are automatically
covered.
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.
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.
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Subsidence
Repair Techniques & Engineered Foundation Solutions