Landlord & Mortgage PCA Technicians Reports
As mortgage and insurance companies become ever more cautious of taking on risk, a trend we are beginning to notice is the increase in requests for pre-purchase damp and timber reports. Whereas in the past these reports were mainly an optional extra designed to give the buyer additional piece of mind, post credit crunch, should the original surveyors damp meter indicate possible damp, then this type of report could mean the difference between getting your mortgage or not.
These reports, which assure the lender or insure that the property is free from excessive moisture, wood boring insects, dry rot and wet rot, should only ever be carried out by techinicians with PCA qualifications. There have been instances where hard working people have paid for a damp and timber firm from a local builder or unqualified damp proofer only to have that report rejected by the mortgage company. This leads to further delays and the additional expense in getting a report from a second, qualified surveryor.
With a damp and timber report from Pro-Trade, issues like the above will never happen. Pro-Trade’s surveyors are qualified to a standard give you peace of mind.
With extensive construction background and surveying expertise, our qualifications ensure that the report you pay for will be accepted by insurance and mortgage providers nationwide.
How Does the Report Work?
Our Expert Surveyors will attend the property in question and ensure that a full and detailed examination of the premises is undertaken. They will inspect the outside of the property, checking for any defects that could lead to water ingress or timber damage that has already occurred or is likely to occur in the future. This will potentially involve inspection of the chimney, the drainpipes and gutters through to an inspection of the ground floor and also if needed the sub floor ventilation of the property.
Following this, the expert surveyor will check to ensure that the property already has a damp proof course and check to ensure that ground level alterations have not caused bridging of this course. Internal walls will be inspected for signs of dampness and in some circumstance floor boards may be lifted to check the structure of the wood below foot.
Once a full and comprehensive inspection has taken place, our expert will prepare a fully detailed report stating the condition of the property and any remedial works that may be required. Should you have any questions or wish for additional information, the expert will also provide this.
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