I was advised by my architect to take out Conversion Insurance with C-R-L.com during the initial stages of converting my barn. At the time, I didn’t really understand the importance of structural defects insurance; I thought my building insurance would have any build problems covered. I had no idea that most building insurance policies do not protect against structural problems in the first two years after build completion, as this is deemed the high risk period for such developments.
On my architect’s recommendation, I called C-R-L.com and gave them the specifications of the project. They sent out a surveyor to see the site almost immediately and came back to me with a competitive quote within 24-hours. The whole process could not have been simpler.
When I went to my mortgage lender about taking a loan for the project, they asked for a copy of my structural insurance certificate, as it is a legal requirement on conversion developments and I would not have been able to secure my mortgage without it. I was pleased that I already had my certificate from C-R-L.com to show them immediately without delay.
I was even more pleased with my Conversion Insurance policy when after only six months my barn conversion began to show signs of structural weakness. The first evidence of the problems came when I noticed a large crack appearing in the wall. At first I didn’t worry about it, as I thought it was simply the building settling, however, when it became worse I called in a chartered surveyor to check it out. After some simple calculations, he concluded that due to bad workmanship on the part of my builder there was too much pressure on the external walls from the overhead beams and roof, which had caused the cracking and could lead to severe structural problems in the future.
When I heard this news, I was devastated as the cost of fixing this issue was going to be prohibitively expensive. I thought I was going to lose my dream home, when I had only moved in a few months earlier.
Then I remembered my conversion insurance policy C-R-L.com and I got straight on the telephone to explain the situation. They sent a surveyor the next day to examine the site from a claims perspective and he agreed that the circumstances entitled me to make a claim.
I was relieved that my home would be saved and also extremely impressed by the professional service and advice given to me by the team at C-R-L.com. I wouldn’t hesitate to recommend the company to other individuals or self builders planning a conversion project in the near future.