FabSwingers.com > Forums > The Lounge > Weird subject... window indemnity

Weird subject... window indemnity

By (user no longer on site) OP over a year ago

It seems a fensa approve company didn’t put in my windows before I bought the house and the buyer wants warranties (rightly so)

Does anyone know about window indemnity?

I’m frikkin sick of it all.

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By (user no longer on site) over a year ago

You can get a fensa registered fitter to sign off the installation as up to standard.

I fitted all my own window frames after buying them myself at cost price. A builder buddy of mine got a fitter to inspect and sign the installation off.

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By (user no longer on site) OP over a year ago

"You can get a fensa registered fitter to sign off the installation as up to standard.

I fitted all my own window frames after buying them myself at cost price. A builder buddy of mine got a fitter to inspect and sign the installation off."

This doesn’t guarantee the windows and bi folds though does it.

I’m 24 hours from exchanging and need to sort

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By (user no longer on site) over a year ago

You need indemnity insurance I think. Try googling it.

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By *ouple in LancashireCouple over a year ago

in Lancashire

"You can get a fensa registered fitter to sign off the installation as up to standard.

I fitted all my own window frames after buying them myself at cost price. A builder buddy of mine got a fitter to inspect and sign the installation off.

This doesn’t guarantee the windows and bi folds though does it.

I’m 24 hours from exchanging and need to sort "

it can be done online by your Solicitor in minutes, not that expensive..

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By (user no longer on site) over a year ago

How old are the windows though ? As even a Fensa guarantee would be time limited.

Would the person who installed provide some kind of indemnity ?

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By (user no longer on site) OP over a year ago

To answer all in one post

When I bought the house I was in a bad place and got zero warranties from the seller before he dissapeared.

It had permission for everything from the council as it was extensively extended.

There are no names on the windows so I can’t even ring them.

Is it something that I need to worry about, to get them indemnified ( if that’s the right word) does someone need to come check them.

As meant to be exchanging tomorrow or Monday.

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By (user no longer on site) OP over a year ago

"To answer all in one post

When I bought the house I was in a bad place and got zero warranties from the seller before he dissapeared.

It had permission for everything from the council as it was extensively extended.

There are no names on the windows so I can’t even ring them.

Is it something that I need to worry about, to get them indemnified ( if that’s the right word) does someone need to come check them.

As meant to be exchanging tomorrow or Monday.

All are no more than 3 years old

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By (user no longer on site) over a year ago

"To answer all in one post

When I bought the house I was in a bad place and got zero warranties from the seller before he dissapeared.

It had permission for everything from the council as it was extensively extended.

There are no names on the windows so I can’t even ring them.

Is it something that I need to worry about, to get them indemnified ( if that’s the right word) does someone need to come check them.

As meant to be exchanging tomorrow or Monday.

Can't your solicitor advise?

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By (user no longer on site) over a year ago

"It seems a fensa approve company didn’t put in my windows before I bought the house and the buyer wants warranties (rightly so)

Does anyone know about window indemnity?

I’m frikkin sick of it all."

google

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By (user no longer on site) OP over a year ago

"To answer all in one post

When I bought the house I was in a bad place and got zero warranties from the seller before he dissapeared.

It had permission for everything from the council as it was extensively extended.

There are no names on the windows so I can’t even ring them.

Is it something that I need to worry about, to get them indemnified ( if that’s the right word) does someone need to come check them.

As meant to be exchanging tomorrow or Monday.

Can't your solicitor advise?"

I guess I’m trying to get information before they open so I have a clue.

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By (user no longer on site) over a year ago

"To answer all in one post

When I bought the house I was in a bad place and got zero warranties from the seller before he dissapeared.

It had permission for everything from the council as it was extensively extended.

There are no names on the windows so I can’t even ring them.

Is it something that I need to worry about, to get them indemnified ( if that’s the right word) does someone need to come check them.

As meant to be exchanging tomorrow or Monday.

Can't your solicitor advise?

I guess I’m trying to get information before they open so I have a clue."

It's an insurance policy. Google it.

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By (user no longer on site) OP over a year ago

"It seems a fensa approve company didn’t put in my windows before I bought the house and the buyer wants warranties (rightly so)

Does anyone know about window indemnity?

I’m frikkin sick of it all.

google"

Thanks, I have about 18 google tabs open in front of me so I’m aware google gives lots of answers.

It’s understanding it all, but thanks for taking the time to input that inf

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By *heBirminghamWeekendMan over a year ago

here

indemnity insurance for your buyer is the quickest solution. You pay for it .

Make sure it’s a reputable company - Aviva or Zurich etc..

Shouldn’t cost very much, but will provide cover .

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By (user no longer on site) OP over a year ago

"indemnity insurance for your buyer is the quickest solution. You pay for it .

Make sure it’s a reputable company - Aviva or Zurich etc..

Shouldn’t cost very much, but will provide cover .

Thank you, of to google those companies.

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By *i1971Man over a year ago

Cornwall

Unfortunately some people need to be realistic when buying property. Most warranties will cover initial manufacture issues or may cover discoloration of frames.

As I understand it with the fensa scheme of window installers, if fensa was used, building reg certification wasn't needed - wasn't a guarantee/ warrantee on the windows.

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By *alandNitaCouple over a year ago

Scunthorpe

Who would think anyone would make that much fuss over Windows that were in the house before you bought them.

Definitely something for your solicitor.

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By (user no longer on site) OP over a year ago

"Who would think anyone would make that much fuss over Windows that were in the house before you bought them.

Definitely something for your solicitor."

The buyer isn’t, the buyers solicitor is

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By (user no longer on site) OP over a year ago

"Unfortunately some people need to be realistic when buying property. Most warranties will cover initial manufacture issues or may cover discoloration of frames.

As I understand it with the fensa scheme of window installers, if fensa was used, building reg certification wasn't needed - wasn't a guarantee/ warrantee on the windows.

All they want is a guarantee from someone that if the windows or bi folds break they are covered.

So an indemnity insurance is the quickest cheapest way I guess

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By (user no longer on site) over a year ago

"Who would think anyone would make that much fuss over Windows that were in the house before you bought them.

Definitely something for your solicitor.

The buyer isn’t, the buyers solicitor is"

I'm pretty sure when we moved house last year our solicitor sorted out window indemnity for a small fee. Give them a quick ring tomorrow x

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By *heBirminghamWeekendMan over a year ago

here

Have a read of this

Put www at the beginning of: “the website that has an opera singing tv advert”.com/mortgages/title-indemnity-insurance

May also provide you with instant quotes for what your looking for

HTH

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By *he Silver FuxMan over a year ago

Uttoxeter

Just tell the buyers you don’t have any documentation for the windows. It’s part of the process to hand over any docs or certificates where they are available.

The FENSA protection certainly won’t provide any guarantees or warranty for your new buyers as they didn’t pay for the installation and the guarantees / warranties are not transferable

I had all the certificates etc when buying the place I own now, the windows were installed by a FENSA company but there’s no warranty for me despite discovering faults in the installation.

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By *ouple in LancashireCouple over a year ago

in Lancashire

"Who would think anyone would make that much fuss over Windows that were in the house before you bought them.

Definitely something for your solicitor.

The buyer isn’t, the buyers solicitor is"

The solicitor's are covering their arses with such things to save a case against them post purchase if your buyer was not happy etc..

did your buyers have a full survey done?

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By (user no longer on site) OP over a year ago

"Who would think anyone would make that much fuss over Windows that were in the house before you bought them.

Definitely something for your solicitor.

The buyer isn’t, the buyers solicitor is

The solicitor's are covering their arses with such things to save a case against them post purchase if your buyer was not happy etc..

did your buyers have a full survey done?"

Yes they did, he open all windows and doors.

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By (user no longer on site) OP over a year ago

"Just tell the buyers you don’t have any documentation for the windows. It’s part of the process to hand over any docs or certificates where they are available.

The FENSA protection certainly won’t provide any guarantees or warranty for your new buyers as they didn’t pay for the installation and the guarantees / warranties are not transferable

I had all the certificates etc when buying the place I own now, the windows were installed by a FENSA company but there’s no warranty for me despite discovering faults in the installation.

The buyers knows, but his solicitor is telling him she will not budge on this and wants the guarantee from whoever installed them.

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By *izzy.Woman over a year ago

Stoke area

My next door neighbour sold there house last year and just before exchange, suddenly there was a problem that they didnt have right of access to their house. I apparently owned the lane in front of theirs, so i could build a shed on the road and they couldn't get to their drive! All very odd.

Quick visit to the solicitor. Bought an indemnity policy to cover if there was a problem in future . Didn't hold up the sale

Windows should be easy peasy xx

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By (user no longer on site) OP over a year ago

"Have a read of this

Put www at the beginning of: “the website that has an opera singing tv advert”.com/mortgages/title-indemnity-insurance

May also provide you with instant quotes for what your looking for

HTH"

Thank you

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By *i1971Man over a year ago

Cornwall

"Unfortunately some people need to be realistic when buying property. Most warranties will cover initial manufacture issues or may cover discoloration of frames.

As I understand it with the fensa scheme of window installers, if fensa was used, building reg certification wasn't needed - wasn't a guarantee/ warrantee on the windows.

All they want is a guarantee from someone that if the windows or bi folds break they are covered.

So an indemnity insurance is the quickest cheapest way I guess"

Yes that makes sense. Compared to the prices windows/doors were years ago, they're not that expensive now even if they did need to be changed & would be easy to get a near match. Overly fussy purchaser I guess

Hope you get it sorted

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By (user no longer on site) over a year ago

"Just tell the buyers you don’t have any documentation for the windows. It’s part of the process to hand over any docs or certificates where they are available.

The FENSA protection certainly won’t provide any guarantees or warranty for your new buyers as they didn’t pay for the installation and the guarantees / warranties are not transferable

I had all the certificates etc when buying the place I own now, the windows were installed by a FENSA company but there’s no warranty for me despite discovering faults in the installation.

The buyers knows, but his solicitor is telling him she will not budge on this and wants the guarantee from whoever installed them."

Solicitors give advice. You give instructions.

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By (user no longer on site) OP over a year ago

"Unfortunately some people need to be realistic when buying property. Most warranties will cover initial manufacture issues or may cover discoloration of frames.

As I understand it with the fensa scheme of window installers, if fensa was used, building reg certification wasn't needed - wasn't a guarantee/ warrantee on the windows.

All they want is a guarantee from someone that if the windows or bi folds break they are covered.

So an indemnity insurance is the quickest cheapest way I guess

Hope you get it sorted"

Thank you,

I’m juggling many balls right now and not the good kind

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By (user no longer on site) OP over a year ago

"Just tell the buyers you don’t have any documentation for the windows. It’s part of the process to hand over any docs or certificates where they are available.

The FENSA protection certainly won’t provide any guarantees or warranty for your new buyers as they didn’t pay for the installation and the guarantees / warranties are not transferable

I had all the certificates etc when buying the place I own now, the windows were installed by a FENSA company but there’s no warranty for me despite discovering faults in the installation.

The buyers knows, but his solicitor is telling him she will not budge on this and wants the guarantee from whoever installed them.

Solicitors give advice. You give instructions."

I guess he’s now listening to her so is letting solicitor insist on it all

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By *ouple in LancashireCouple over a year ago

in Lancashire

"Just tell the buyers you don’t have any documentation for the windows. It’s part of the process to hand over any docs or certificates where they are available.

The FENSA protection certainly won’t provide any guarantees or warranty for your new buyers as they didn’t pay for the installation and the guarantees / warranties are not transferable

I had all the certificates etc when buying the place I own now, the windows were installed by a FENSA company but there’s no warranty for me despite discovering faults in the installation.

The buyers knows, but his solicitor is telling him she will not budge on this and wants the guarantee from whoever installed them.

Solicitors give advice. You give instructions."

this..

we have just had to instruct our Solicitors to not pursue an indemnity policy for some windows in a property we are buying..

our surveyor has no issue's and we've looked at them too and are ripping the lot out in a few months..

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By (user no longer on site) over a year ago

My parents got indemnity insurance for their conservatory when they sold the house and they said it only cost them about £50 (maybe less). I don't think anyone had to come out or anything.

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By (user no longer on site) OP over a year ago

"Just tell the buyers you don’t have any documentation for the windows. It’s part of the process to hand over any docs or certificates where they are available.

The FENSA protection certainly won’t provide any guarantees or warranty for your new buyers as they didn’t pay for the installation and the guarantees / warranties are not transferable

I had all the certificates etc when buying the place I own now, the windows were installed by a FENSA company but there’s no warranty for me despite discovering faults in the installation.

The buyers knows, but his solicitor is telling him she will not budge on this and wants the guarantee from whoever installed them.

Solicitors give advice. You give instructions.

this..

we have just had to instruct our Solicitors to not pursue an indemnity policy for some windows in a property we are buying..

our surveyor has no issue's and we've looked at them too and are ripping the lot out in a few months.."

I can’t tell him that though.

He’s going to listen to solicitor before me, if it’s as simply as paying for insurance I can cope.

I move into new house in 8 weeks and the stress is making me sick

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By (user no longer on site) OP over a year ago

"My parents got indemnity insurance for their conservatory when they sold the house and they said it only cost them about £50 (maybe less). I don't think anyone had to come out or anything."

Thanks,

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By *ouple in LancashireCouple over a year ago

in Lancashire

"Just tell the buyers you don’t have any documentation for the windows. It’s part of the process to hand over any docs or certificates where they are available.

The FENSA protection certainly won’t provide any guarantees or warranty for your new buyers as they didn’t pay for the installation and the guarantees / warranties are not transferable

I had all the certificates etc when buying the place I own now, the windows were installed by a FENSA company but there’s no warranty for me despite discovering faults in the installation.

The buyers knows, but his solicitor is telling him she will not budge on this and wants the guarantee from whoever installed them.

Solicitors give advice. You give instructions.

this..

we have just had to instruct our Solicitors to not pursue an indemnity policy for some windows in a property we are buying..

our surveyor has no issue's and we've looked at them too and are ripping the lot out in a few months..

I can’t tell him that though.

He’s going to listen to solicitor before me, if it’s as simply as paying for insurance I can cope.

I move into new house in 8 weeks and the stress is making me sick"

Yes accept that its different from your own situation..

try not to worry about it, speak to your Solicitor and go from there..

its a stressful time for sure..

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By *rank n BettyCouple over a year ago

Not meeting

Check your local planning department records online - my windows are listed on my property & must have been done by the company that fitted them as I didn’t tell them. My boiler fitting is on there too

B x

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By (user no longer on site) OP over a year ago

"Just tell the buyers you don’t have any documentation for the windows. It’s part of the process to hand over any docs or certificates where they are available.

The FENSA protection certainly won’t provide any guarantees or warranty for your new buyers as they didn’t pay for the installation and the guarantees / warranties are not transferable

I had all the certificates etc when buying the place I own now, the windows were installed by a FENSA company but there’s no warranty for me despite discovering faults in the installation.

The buyers knows, but his solicitor is telling him she will not budge on this and wants the guarantee from whoever installed them.

Solicitors give advice. You give instructions.

this..

we have just had to instruct our Solicitors to not pursue an indemnity policy for some windows in a property we are buying..

our surveyor has no issue's and we've looked at them too and are ripping the lot out in a few months..

I can’t tell him that though.

He’s going to listen to solicitor before me, if it’s as simply as paying for insurance I can cope.

I move into new house in 8 weeks and the stress is making me sick

Yes accept that its different from your own situation..

try not to worry about it, speak to your Solicitor and go from there..

its a stressful time for sure.."

I will try thank you.

My ex used to deal with all this so it’s been a massive learning curve this time.

Next time I will have it sussed

You’ve been helpful and I appreciate it.

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By (user no longer on site) OP over a year ago

"Check your local planning department records online - my windows are listed on my property & must have been done by the company that fitted them as I didn’t tell them. My boiler fitting is on there too

B x"

Yes found those earlier ,

The issue is they want the 10 year guarantee that apparently comes with windows

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By *rank n BettyCouple over a year ago

Not meeting

B x

Yes found those earlier ,

The issue is they want the 10 year guarantee that apparently comes with windows "

Did that not tell you who fitted them so you can contact them? My council does

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By (user no longer on site) over a year ago

B x

Yes found those earlier ,

The issue is they want the 10 year guarantee that apparently comes with windows "

Like someone else said that may not be transferable on sale anyway.

Personally I’d call their bluff, They aren’t going to pull out over it if they’ve paid out lots already on surveys etc.

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By (user no longer on site) OP over a year ago

B x

Yes found those earlier ,

The issue is they want the 10 year guarantee that apparently comes with windows

Did that not tell you who fitted them so you can contact them? My council does "

No just says certificate of regularisation

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By (user no longer on site) OP over a year ago

B x

Yes found those earlier ,

The issue is they want the 10 year guarantee that apparently comes with windows

Like someone else said that may not be transferable on sale anyway.

Personally I’d call their bluff, They aren’t going to pull out over it if they’ve paid out lots already on surveys etc. "

For the sake of a few hundred quid I’m happy if it makes them happy.

They are taking out a large mortgage and I feel bad I don’t have them so think I should pay to cover them

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By *sGivesWoodWoman over a year ago

ST. AUSTELL, CORNWALL

B x

Yes found those earlier ,

The issue is they want the 10 year guarantee that apparently comes with windows

Like someone else said that may not be transferable on sale anyway.

Personally I’d call their bluff, They aren’t going to pull out over it if they’ve paid out lots already on surveys etc. "

This.

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By (user no longer on site) OP over a year ago

B x

Yes found those earlier ,

The issue is they want the 10 year guarantee that apparently comes with windows

Like someone else said that may not be transferable on sale anyway.

Personally I’d call their bluff, They aren’t going to pull out over it if they’ve paid out lots already on surveys etc.

This.

Solicitors in the morning, thanks guys/girls as I understand a little more now.

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By (user no longer on site) over a year ago

B x

Yes found those earlier ,

The issue is they want the 10 year guarantee that apparently comes with windows

Like someone else said that may not be transferable on sale anyway.

Personally I’d call their bluff, They aren’t going to pull out over it if they’ve paid out lots already on surveys etc.

For the sake of a few hundred quid I’m happy if it makes them happy.

They are taking out a large mortgage and I feel bad I don’t have them so think I should pay to cover them"

In a way your solicitor should have pointed it out when you bought it. And it’s unlikely the windows will fail so I wouldn’t feel bad.

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By (user no longer on site) OP over a year ago

B x

Yes found those earlier ,

The issue is they want the 10 year guarantee that apparently comes with windows

Like someone else said that may not be transferable on sale anyway.

Personally I’d call their bluff, They aren’t going to pull out over it if they’ve paid out lots already on surveys etc.

For the sake of a few hundred quid I’m happy if it makes them happy.

They are taking out a large mortgage and I feel bad I don’t have them so think I should pay to cover them

In a way your solicitor should have pointed it out when you bought it. And it’s unlikely the windows will fail so I wouldn’t feel bad. "

I contacted my solicitor earlier and asked if he had checked etc when I purchased the property.

No answer as of yet.

I just needed a safe place to go I didn’t care or know about warranties etc.

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By *rank n BettyCouple over a year ago

Not meeting

If I remember it’s an A5 size piece of paper - like a leaflet in a free paper but good quality paper. I nearly threw mine away

B x

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By (user no longer on site) over a year ago

Seriously, do nothing stop worrying, when your solicitor opens tomorrow tell them to sort it out. Thats what they are paid for.

It isn't really an issue, but solicitors on both sides have to show they earned their money.

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By *dd269Man over a year ago

Clee

Tell your solicitor to sort it out!

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By *ophieslutTV/TS over a year ago

Central

Sleep as well as you can. Your solicitor should be experienced at managing their unreasonable expectations. They're not buying new, so should not be expecting cover as such. They should only be expecting a very limited amount of cover, if anything anyway.

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By *agneto.Man over a year ago

Bham

You just need indemnity insurance I think.

House I bought didn't have planning permission for the conservatory, so they had to get indemnity insurance for it before the sale went through.

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By (user no longer on site) OP over a year ago

I know I’m stressing I know.

I think it’s because everything is new from 3 years ago and I have nothing for anything.

Roofs, windows .. anything.

I won’t be so naive next time.

Thanks, you’ve put my mind st rest everyone.

I know google is a great help but doesn’t beat real experience by real people.

So thank you

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By (user no longer on site) OP over a year ago

Thanks to everyone above, indemnity insurance was purchased at £107 which covers all the building work up to value of house.

So job done, just wanted to say thank you

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By *heBirminghamWeekendMan over a year ago

here

"Thanks to everyone above, indemnity insurance was purchased at £107 which covers all the building work up to value of house.

So job done, just wanted to say thank you "

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By (user no longer on site) over a year ago

"Thanks to everyone above, indemnity insurance was purchased at £107 which covers all the building work up to value of house.

So job done, just wanted to say thank you "

Told ya

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By (user no longer on site) OP over a year ago

"Thanks to everyone above, indemnity insurance was purchased at £107 which covers all the building work up to value of house.

So job done, just wanted to say thank you

Told ya

I know, I’m a worrier.

First time doing it all as a strong single independent woman

but I’ve been bricking it.

So thank you

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By (user no longer on site) over a year ago

"Thanks to everyone above, indemnity insurance was purchased at £107 which covers all the building work up to value of house.

So job done, just wanted to say thank you

Told ya

I know, I’m a worrier.

First time doing it all as a strong single independent woman

but I’ve been bricking it.

So thank you

Glad you got it sorted x

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By *ouple in LancashireCouple over a year ago

in Lancashire

"Thanks to everyone above, indemnity insurance was purchased at £107 which covers all the building work up to value of house.

So job done, just wanted to say thank you "

one less thing to worry about..

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By (user no longer on site) OP over a year ago

Onto the next now, moving lol

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By *rank n BettyCouple over a year ago

Not meeting

Great news & perhaps a very helpful post for others too!! I never knew about indemnity insurance

B x

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By (user no longer on site) OP over a year ago

"Great news & perhaps a very helpful post for others too!! I never knew about indemnity insurance

B x"

Seems to be something solicitors are pushing for, I guess if it makes the buyer happy then it’s all good

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By *ouple in LancashireCouple over a year ago

in Lancashire

"Onto the next now, moving lol

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