This is the second part of a short series that is trying to give some guidance about the questions you should ask your 'architect' before entrusting them with your most valuable asset - your property!
My introduction to the series can be read here and the first post in the series, dealing with making sure your consultant is properly qualified, can be read here.
So, why should you worry yourself about your consultant's insurance cover - after all they're only doing some drawings aren't they!
Firstly, let explain what Professional Indemnity Insurance (PII) is:
Professional Indemnity insurance is held by many different types of professional to cover them for claims for loss or damage made by a client or third party should they, the professional, make mistakes or are found to have been negligent in some or all of the services they provided.
Registered Architects are required to carry PII as a prerequisite to being registered and must keep up that insurance for a minimum of 12 years after they cease practicing. This is designed to protect you, the client, against the worst case scenario!
So what might go wrong?
Honestly - it's very unlikely that anything will wrong but, in the last few years, we have regularly been contacted by people who have been given incorrect advice by unqualified 'designers' which has led to them building extensions or making alterations to their property without the necessary permissions.
Legislation around building works has become more and more complex over the past few decades. Most projects will need Planning and Building Regulations Approval - both of which areas are constantly changing, in addition you may also need Covenants Approval and/or a Party Wall Award! If your 'consultant' gives you incorrect advice and you don't have all the necessary permissions you might have to undo the work that has been undertaken - a costly experience!
If your 'consultant' or 'designer' does not carry PII, or is reluctant to discuss this matter with you, it should set off alarm bells! It may be an indicator that they are not registered with an appropriate professional body such as the ARB, RIBA, RICS or CIAT.
The level of cover carried should be appropriate for the size of project. Most policies are 'each and every claim' which means that each (unlinked) claim made is dealt with on it's own merits so it is not always necessary to look for cover that exceeds your budget - most architects will ensure that they carry sufficient cover for the type of work they undertake.
So some pointers to conclude:
1. It is very unlikely that you will ever need to make a claim on a reputable, properly qualified, consultant.
2. All qualified, registered, consultants will carry PII and be happy to talk to you about the level of cover carried.
3. Most unqualified 'designers' won't carry PII.
Most importantly:
4. PII is carried to protect YOU!
Asking your consultant for details of their PII cover, at a very basic level, is a great indicator of wether your consultant is truly professional whose advice you can rely on or simply someone doing pretty drawings!
Don't forget - your property is your most valuable asset - can you afford to take the risk of using anyone other than a properly qualified, insured, registered professional?
I enjoyed reading your post, a very clear and professional advice.
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