What Makes For An Effective Cavity Wall Insulation Claim?
The concept of cavity wall insulation is very simple – it consists of filling the cavity between the two brick wall skins with an insulating material that slows the thermal movement through the wall. Keeping the heat in your house will make you warm when you need it. It also works in the opposite direction, keeping your home cooler in the summer months.
This insulation is invisible, inexpensive and quick to install. Installing insulation will not only lower your heating costs but also reduce your carbon footprint by limiting the amount of carbon dioxide and other greenhouse gases from your property.
Cavity wall insulation is an effective way to reduce your energy costs. Unfortunately, if the installation is not done correctly moisture often becomes a problem. Many homeowners are now reporting inferior installations that have caused humidity, damp problems and damage to their homes.
The UK has up to 3 million homes suffering from cavity wall problems, every single one of these homeowners is entitled to make a cavity wall insulation claim for the damage and the repairs required to make their home livable again, this includes the cost of redecorating and compensation for the inconvenience. Some may also be entitled to make a claim for personal injury due to the health problems caused by toxic black mould and other health threats brought on by a bad installation.
Cavity Wall Insulation Claims: Where We Are Now and What to Do About It
With poorly insulated cavity walls, water penetrates into the walls of the property, creating structural problems and wet spots that may also manifest as mould. In some cases, moisture and mould infestation caused by cold heart attacks can cause health problems or worsen existing conditions, including respiratory diseases. Materials such as formaldehyde, which contracts as it cures and leaves air spaces in the walls that promote cold spots, can degrade over time and produce chemical fumes.
Most insulation is absolutely safe, but it depends on the material used and the quality of the workmanship. Modern insulation methods for cavity walls do not pose a risk to people living at home. However, if your walls were isolated decades ago, you may want to check what was used. If your cavity walls are poorly insulated, this can cause problems.
If you install insulation, you should opt for a modern insulation with a proven performance! Expanded polystyrene (EPS) and polyurethane foam are quite commonly used today. They have no health effects and are waterproof. They should be as effective as they have been for decades. Always ask for an explanation of the insulation material that your installer uses in case of doubt.
Problems With Cavity Wall Insulation
It may be necessary for various reasons to remove cavity wall insulation:
- There is a problem if the insulation used no longer has insulating properties due to time-related deterioration.
- There is a problem if the insulation is installed in an inappropriate building.
- There is a problem if the insulation has been installed incorrectly.
IRT Surveys Ltd conducted a survey of 250,000 homes in the UK and found that half of the tested cavity walls were wet, collapsed or missing.
If this number applies to the remaining properties in which insulation is installed, 3 million households would be affected by cavity wall insulation problems.
How Do I Know If The Insulation In My Home Is Faulty?
It can be difficult to determine if you have a problem with your insulation without asking an expert for an assessment.
Here are some general indications that your insulation may be faulty:
- No noticeable increase in heat or temperature due to the use of poor quality materials or a poor installation.
- Visible holes in the walls.
- Mould, condensation or moisture since the installation of the insulation
- Masonry damage.
- Ventilation holes blocked.
- Rotting wood.
- Peeling wallpaper.
- Health issues such as a persistent cough.
- Toxic Black Mould (Stachybotrys) is dangerous and if you find it you should deal with it immediately or most safely call in a professional. The mould can release a huge number of spores if moved or touched. You can identify it by its greenish-black colouring, it’s often slimy, though it can also become dry and powdery over time.
If you encounter any of these problems, you may be eligible for a compensation claim.
Common Installation Faults
1. Slumping Insulation
Some of the early insulation installations were rudimentary. The material has slumped and has now created a bridge for water to penetrate the inner wall from the outer wall and left cold spots that cause condensation, ultimately damp and finally mould.
2. Urea Formaldehyde
This material has been used for some time in several thousand installations. Over time, it loses its insulating properties and can pose a health risk due to the gases released during its decomposition.
3. Bad Finish
Unfortunately, lately we have seen many cases of improperly installed insulation where the wrong hole pattern or blowing pressure left cold areas that could cause condensation and damp. Other bad installation practices, such as the failure to properly manage the vents may cause similar problems.
4. Insulation Damaged By Flood/Water
Your insulation may have been damaged by floods or damaged drains, allowing water to enter the cavity. The cavity wall insulation or the property may be submerged in an area exposed to strong wind-driven rain, e.g. when the thermal insulation of the cavity wall becomes wet or damp, moisture is transferred to the inner skin of the property, the wall surfaces are damaged and there is a risk to health.
5. Inappropriate Type Of Building
A building or a particular wall may have been unsuitable in the first place for the insulation of hollow walls. Examples may be porous brick or mortar buildings; Building and timepiece with steel frame; or buildings that are heavily exposed to moisture or voids containing mortar/deposits.
How Can I Get the Problems Rectified?
If the company that installed your insulation is still trading, some of the firms are not, then it’s the responsibility of the firm to rectify the problem or their insurance company. If the firm refuses, or if they are no longer trading, then the responsibility falls on the CIGA under its 25-year guarantee. The CIGA currently charge £42 for a copy of your guarantee certificate, we have 2 options that will allow you to get a copy of your CIGA Certificate FREE.
Making Your Cavity Wall Insulation Claim
You’re not alone, millions of people around the country are in a similar situation. We hear from clients all the time that they’ve redecorated or re-plastered or both, sometimes multiple times, but the problems return. Why suffer any longer, get the issue resolved once and for all. and stake your claim to compensation now. Just complete the short form below now and we’ll be in touch to see how we can help.
Start Your Claim Now
Will I have to contribute towards the cost?
Further to that we offer a No Win No Fee arrangement. It really is cost free with free repairs to your property and a large lump sum payment as compensation. Why not get in touch today to make your claim, you literally have nothing to lose in making that initial enquiry and everything to gain! Just complete the simple form above.