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    Home Warranty Insurance

How do I know if my home has been built properly?

At the front of mind for the majority of homeowners entering into any building project, is the question of how to know whether the works they have started have been built with care, are within specifications and comply with the rules and regulations and have ultimately been built properly.

It is important to understand the process, stages, checks and requirements each build goes through and we’ve put together some information to help explain the process and the different stakeholders involved and their key role in your build;

These can be broken down as follows:

  1. Principal Certifying Authority (PCA);
  2. Engineer;
  3. Builder;
  4. Quality Assurance Program;
  5. Certificates;
  6. Defect Period.
  7. Statutory Warranty Period

Principal Certifying Authority (PCA)
A Principal Certifier is engaged to carry out mandatory inspections associated with a build during the construction process. They are there to ensure the structure is completed in accordance with the approved consent (DA/CC or CDC), as well as to check compliance with the Building Code of Australia (BCA) requirements

Generally for a second storey addition, the mandatory inspections that the Certifier will undertake during the build may look like this:
– After excavation for and prior to the placement of any footings
– Prior to pouring any in-situ reinforced concrete building element
– Prior to covering of the framework for any floor, wall, roof, or other building element
– Prior to covering waterproofing in any wet areas
– Prior to covering any stormwater drainage connections
– After the building work has been completed & prior to any Occupation Certificate being issued in relation to the building

Upon completion of mandatory inspections, completion of all works associated with the approval and final documents/certificates provided, an Occupation Certificate will be issued.

Engineer
A structural design plan is generally prepared by registered professional engineers, and, are based on information provided by the architectural drawings. They provide details for how a building or other structure will be built.
It is not uncommon for engineering revisions to occur during the build following onsite inspections by the engineer and consultation with the project manager. The engineer is there to confirm that the structure has been built in accordance with his plans and certifies the overall structural adequacy of the build. This certificate is provided to the Certifier.

Inspections undertaken by engineers may look like this;
– Prior to pouring any in-situ reinforced concrete building element
– Prior to covering of the framework for any floor, wall, roof, or other building element
– Prior to covering any stormwater drainage connections (if required – based upon the hydraulic design)

Builder
The role of the builder is to interpret the architectural drawings, structural drawings, surveys plan and all approved documentation and construct the building in accordance with these. The builder will then coordinate, schedule and oversee the multiple skilled trades to undertake each component of the build and then liaise and coordinate the inspections with the engineer and certifier during the build at critical stages to confirm compliance with the BCA and that the build is structurally sound.

There are multiple trades, suppliers and deliveries to be managed by your builder during a build. To name a few of the trades that would work on your home; carpenters, plasterers, concreters, brick layers, plumbers, welders, electricians, waterproofers, roofers, tilers, labourers, cabinet makers, showerscreen installers, glaziers, staircase installers, painters, flooring installers, insulation installers, asbestos removalists, air conditioning installers, renderers.

Your builder should be able to provide you with a copy of the timeline of your build but don’t be alarmed if dates change during your build with certain items – this is normal, given the multiple trades and deliveries happening! As long as your builder is within your contract period, you only need to focus on your finish date and ensuring that any materials you have to supply are onsite by the date communicated to you. Should you have any concerns with your finish date being on track, just reach out to your builder and their team for clarification. They are there to help.

Quality Assurance Program
As you can see the roles of the builder, engineer and Certifier do a lot to ensure your build is completed in compliance with the BCA and the approved plans, sometimes, it can be easy to overlook the minor items during the build and this is where our quality assurance program steps in. As an additional check across all of our builds, we arrange for an independent building inspector to complete a progress inspection at the Lock up and Rough in stage and a final inspection pre-handover.
This is an added layer of reassurance for us and our clients to ensure you are receiving the highest quality build.

Certificates
Following Practical Completion, certificates are provided to the certifier.
These are from the individual trades to certify their work has been completed in compliance with the Australian Standards.
Certificates required but not limited to:
– Engineering structural adequacy certificate
– Waterproofing certificate for each wet area
– Insulation certificate
– Glazing certificate
– Electricians CCEW certificate
– Smoke alarm certificate
– Plumbing certificate of compliance

Defect Period
Upon completion of your build and reaching Practical Completion, you will have a 13 week minor maintenance period. This is for the builder to attend to minor defects that would have been listed during your Practical Completion walkthrough but don’t prevent you from moving into your new space.

What happens when your defect period ends?
There are statutory warranties on your build.
This means that should any issue arise with the works on your home, you may reach out to your builder and make a claim; within six years for major defects and within two years for other defects from the date of completion.

By providing photos and videos to the builder, they can then investigate and determine whether it relates to the builder/contractor’s workmanship and attend to the defect for you. Industry guidance materials like the Fair Trading Standards and Tolerances guide can assist in determining a defect.

Dispute Resolution
Open communication with your builder goes a long way to easily resolving defects without the need to take legal action. Generally, if a builder and/or the owner are concerned with defects at the home, the builder may arrange an independent inspection with an engineer or building inspector, this then allows an impartial view and you can then discuss any concerns with your builder to work with you on. Alternatively, if there is a communication breakdown, either you or the Builder can formally request for Fair Trading to assist in dispute resolution and in most cases the Inspector will arrange to meet with you and the builder on-site to inspect the work under dispute and act as a mediator and issue an order of rectification if it’s required. If your builder is no longer operating, then you can submit a claim through your Home Warranty.




What you can do to prepare your home for a severe weather event?

Australia has recently experienced some severe weather conditions including high winds and heavy rainfall. These weather events and other similar events that have occurred in recent years, can at times be so severe that they exceed the Building Code of Australia (BCA) design benchmarks for homes constructed within Australia.

In such extreme weather conditions rainwater can be forced through closed windows and sprayed up rooves in a manner which homes aren’t designed for and therefore water may enter some homes. The resulting water ingress may cause damage to your home, often this damage may only be of a minor nature, but can still cause considerable stress to you as the homeowner.

What can you do to prepare your home for a severe weather event?

As part of your ongoing home maintenance we recommend the following check measures are undertaken to avoid any water ingress to your home;

  • Check all gutters and downpipes are clear of debris, leaves etc…
  • Regularly check your roof for signs of slipped roof tiles, cracks and possible water ingress entry points – especially if you have recently had a contractor attend your property eg. Foxtel or solar panel installer
  • Check your stormwater drains for blockages
  • Check your window and door seals aren’t displaying signs of cracks and ageing
  • Check for other possible entry points and seal if required

If during a severe weather event you do get water ingress – who do you call?

  • If it is an emergency please call the SES for immediate assistance
  • In most other cases, do what you can to stop/reduce the incoming water and then contact your home insurer as the first step to understanding what you can do

When these severe weather events happen most owners contact the builder of the home to request an inspection or even rectification of the damaged parts however if this issue hasn’t occurred until now then it is likely it is due to the severe weather event and these items will be claimable under your owner’s home insurance or alternatively are maintenance issues as the homeowner for you to attend to.

What to look for when choosing your builder

You’re in the market for a renovation or addition on your home, but where can you find a builder that is reliable, will minimise the disruption to your family and deliver maximum quality on your investment that will stand the test of time? 

You may have been referred to builders by people you trust, however that doesn’t necessarily mean that the builder will be trustworthy. So who do you contact and what should you look out for when contemplating taking the first steps on your building journey? We’ve put together a list of things you should consider when making your decision to select a builder; 

1. Do they specialise in your type of build?

You might assume this is obvious, however, it’s vital to ensure that the builder you choose is well-established and reputable. Search for a builder who has experience in the type and style of build you are looking for and see if they are able to provide references for a number of jobs they have completed.

Always do your research – look at their website, social media pages and online presence. Are their projects active and up to date? Can you see samples of their work? How long have they been operating for?

2. Do they belong to a builder’s association?

Builders that have a professional membership in the industry eg. Housing Industry Association (HIA) and Master Builders Association (MBA) participate in continuing education and stay up to date with best practices, new technology and innovations within the field. This ultimately means that these builders will use the newest and correct practices when constructing your home.

3. Are they licenced and insured?

A good indicator of a high-quality builder is one that’s fully licenced and
insured – and that they can provide you with those details upon request.
It’s vital for you and your builder to be protected and insured in the event
that something goes wrong.

Examples of insurance that may be required by the builder are;

  • Public Liability Insurance
  • Workers Compensation Insurance
  • Contract of Works Insurance and;
  • Home Warranty Insurance (for all builds over $20K)

You can do a licence check of your builder through the Fair-Trading website, however, we also recommend that you request a copy of their insurances before engaging with them to ensure your family and your investment are protected.

4. Are they able to provide client testimonials or reviews?

The sign of a reputable and successful builder is one that is able to provide
a list of client references from the past, most recent and from those currently going
through the building process with them. This is a good indication that they have been
delivering high-quality service to their clients consistently throughout their years in business.

5. Is there clear communication from the beginning?

Good builders are responsive right from the beginning of your interaction with them. This shows that they invest in their team to ensure that customers and their experience is at the forefront of their business. A builder and their team should be available to communicate with you throughout the project, even after practical completion.

6. The cheapest quote may not result in a quality build

Be wary of going with the cheapest estimate a builder may put in front of you. When searching for a builder ensure you are making as direct a comparison as possible. It is always important to compare apples for apples; a higher quoted price may result in less unforeseen costs and expenses. By choosing a significantly cheaper quote be aware that you can run the risk of finding out halfway through your build that you have been underquoted and the builder is unable to fulfil your project, leaving you stranded and stressed, putting a strain on the family and your investment.

7. Do they offer fixed priced contracts?

Beware of quotations and contracts with a long list of ‘estimates’ and ‘TBA’s’. To avoid a blow-out in costs which could end up exceeding your budget or not being to afford to complete your build, ask for a fixed price contract.

There will be items that a builder cannot foresee such as soil removal, asbestos removal and termite damage, however, the builder should be upfront and discuss these items with you during the planning process. This allows you to properly plan things and have a contingency plan in place. 

8. How does the builder operate?

Does the builder utilise sub-contractors to complete your build or do they employ their own team? A benefit of choosing a builder that employs their own tradespeople to complete your build is that they invest in the proper training and management of their team. This also means that they have greater control of the quality and the speed of the build as they will be coordinating the trades across their builds. By limiting the number of sub-contractors being used, your builder can ensure that you know who is working at your home, giving you peace of mind that your family is safe and secure and that disruption is kept to a minimal.

At 32 Degrees Building, we specialise in additions, extensions and renovations. We believe in putting the clients first and have a support team there for you during your build to address any of your concerns throughout the process. We are licenced, fully insured and are more than happy to provide you with references from our clients, past, recent and in progress if you would like to discuss their building experience.

If you have any questions surrounding your future renovation or addition on your home, call the team. We are available to talk to you and run through all of the details with you.

 

What should you expect to pay before your build can start?

To fund an addition or extension on your home, you may find yourself applying for a Construction Loan with your lender. This is all well and good, however, you may find that the lender will not formally approve and release funds until plans, Council approval and a Contract is in place outlining the progress stage payments of the build. So, to get to this point, how much should you expect to outlay? The short answer is that we find for most of our clients it’s around $20-$25K to complete the preliminary stage –  this is for preparation of all the documents required to start building.

Here at 32 Degrees Building we break it down into two manageable costs for our clients and below is an explanation of the preliminary process to help you as a client understand what happens before we can issue contracts and start your build:

Preliminary Phase 1: Design and development of your architectural plans

This is the start of your building journey with us. Here we coordinate a survey and engage the draftsperson to come out and meet with you. The draftsperson will talk you through your ideas, then design your initial concept plan to align to the quotation you have received. Usually, a few tweaks may be required and then you can sign off your concept plan and the full architectural drawings can be created ready for us to lodge for planning approval.

Preliminary Phase 2: Council Lodgement – Development Application & Construction Certificate OR Complying Development Consent

Once your plans are finalised (sitemap, elevations, shadow diagrams, floor plans etc..) the next step is where we will lodge your plans to Council or to a Private Certifier either as a Complying Development Consent OR as a Development Application and Construction Certificate

CDC or DA/CC fees will be advised once plans are developed and a Council fee quote can be provided. Here we obtain the additional relevant documentation needed in order for your build to be ready to start and this includes;

  • Statement of Environmental Effects – Details the potential environmental impacts the proposed build will have.
  • Waste Management Plan – Applies to all homes across Australia and explains how waste generated onsite will be managed, maintained and disposed of.
  • BASIX – The Building Sustainability Index applies to all residential homes across NSW and confirms the glazing and energy rating minimum that is required to comply to

  • Engineering plans and if a first floor addition a first floor certification to confirm your existing home will support the addition

  • Hydraulic plan and certification – This is to confirm your stormwater connections and how we will connect to the existing or if there are upgrade to the existing needed
  • Sydney Water check – To confirm that your build will not impact any of Sydney Waters assets
  • Sewer Service Diagram – We obtain this for the plumber to see where the existing connections to the home are
  • Long Service Levy – Applies to all residential works over $250K
  • There may be additional supporting documents required (e.g. Bushfire Report, Flood Report, Acoustic Report etc…)
  • and any other supporting documents as required

How long does this process take? Well, this all depends on the Council, the service providers and you as the client. We find that from planning to Council approval to issuing you with contracts can take around 3/4 months. Once your build cost and inclusions have been finalised and your HIA fixed price contract has been issued you can then provide these to your lender in order to finalise your finance approval.

If you haven’t built before or have no knowledge of the building and construction industry then preparing all of these documents can seem quite daunting. That’s why with us, you would have us as your main point of contact to do all of the hard work for you. We even liaise between yourself and the draftsperson to help you stay within your budget when developing your plans and address any of the questions you have about the build along the way.

To get started on your building journey with us, we ask you to download our packages or complete our pre-quote enquiry form and tell us what you would like to build, from there one of our team members will be in touch with you.