Henderson Lawyers Ltd FAQ - Henderson Lawyers Ltd

FAQ

General FAQs:

 

Simply check out our services page to see if you have a claim! Then get in touch by calling us on 0161 359 7140 or use the enquiry form.
We ask for proof of payment, which includes the deposit whether this was made on credit card or finance. If you paid the remaining balance via cheque or bank transfer, we also need a copy of this which can be requested from your bank you made the purchase with.
We always encourage to speak to family members and friends before making your decision.
Under the Consumer Credit Act, any purchases between £100 – £30,000 made on a credit card and finance automatically insures and protects you, in case anything like this happens.
This means that if your claim is not successful, for whatever reason, then you will not pay a single penny.
Our fee is 25% + VAT on the total amount we claim back for you.
Most clients request that we receive the payment into our account to allow us to deduct our agreed fees and then forward the balance to you. If in the case of a property claim, we can then make the payment to the construction company once the work is completed and you are 100% satisfied.
If you have made the purchase on your credit card or finance it will take around six months once we have received all the required paperwork. These times are of course indicative and may vary.
We have advisors on hand to answer any questions you may have and provide you with regular updates throughout the claims process. We will also contact you once any work to your property is complete to ensure you are 100% satisfied.

SIPP FAQs:

 

SIPP is short for Self Invested Personal Pension. It is designed for the more savvy investor and it requires a much more hands-on approach than a regular pension. See more here.
No. There is no limitation period for SIPPs.

Roof Coating FAQs:

 

Yes. The limitation period for roof coatings is 6 years since the last payment was made.
The survey is free of charge and takes about half an hour to complete. It includes taking some pictures of the roof and gathering information. The surveyor will then show you the pictures and highlight any problems if there are any.
No. The surveyor doesn’t come inside your property or attic. The surveyor only needs access to the back of your property to complete the survey.
The surveyor will use specialist equipment which allows them to take pictures of your roof, without needing to climb or walk on it.
With your permission, the surveyor will send the report back to us to look at. If we feel that there is enough evidence within the report we can try and present a claim on your behalf.
We understand that in certain circumstances, clients will not want a new roof. Therefore, we tailor the best option for every client’s needs. However, we would always advise getting your roof repaired straight away, rather than wait till further down the line. This is because you only get one chance to make a claim, so if you choose to accept the settlement only, any subsequent damage would not be covered and would mean you would have to pay the full price for replacement tiles.
Yes, we can. If they are under warranty we can get in touch with your contractor to remove them and put them back in place once the replacement tiles have been put in place. If the warranty has run out, we can supply our own contractor to remove them, we store them on site and then put them back once all the work is complete.

Wall Coating FAQs:

 

Yes. The limitation period for wall coatings is 6 years since the last payment was made.
The survey is free of charge and takes about half an hour to complete. It includes taking some pictures of the wall and gathering information. The surveyor will then show you the pictures and highlight any problems if there are any.
No. The surveyor doesn’t come inside your property. The surveyor only needs access to where your wall coating is to complete the survey.
With your permission, the surveyor will send the report back to us to look at. If we feel that there is enough evidence within the report we can try and present a claim on your behalf.

Cavity Wall Insulation FAQs:

 

If the claim is within 6 years we can present the claim to the installers insurance company, if they are out of business.  If the claim is over 6 years we will present the claim to the Cavity Insulation Guarantee Agency (CIGA) as they have given a 25 year guarantee.
Unfortunately, you won’t know whether the problems you are experiencing are caused by the cavity wall insulation. For example, if you are experiencing damp, this could be caused by a fault in the insulation OR due to lifestyle choices, e.g. cooking or showering without any form of extraction or drying of clothes over hot radiators or using a condensing dryer. Our team of specialists surveyors will be able to distinguish the cause of the problem.
In order for us to present a claim on your behalf, we need to know who installed your cavity wall insulation and whether they are still in business. On completion of your cavity wall installation, you should have been given a 25-year guarantee registered by the Cavity Insulation Guarantee Agency (CIGA). We need a copy of this before we can go any further with your claim.
If you don’t have a copy of this, we can help you retrieve one.
We will refer you to the British Board of Agrément (BBA) for them to investigate your case.
Our team of specialist surveyors will thoroughly inspect the installation where the cavity wall insulation was installed to determine any defects associated to the CWI. They will use specialist equipment which will allow them to see inside the cavity. From this, they will be able to distinguish whether there is any rubble or debris inside, if the wrong type of cavity insulation was installed and if the property was fit for a cavity wall insulation. From these results, we will be able to establish if you have a claim.

Keywords:

CIGA – The Cavity Insulation Guarantee Agency is an independent body that provides 25-year guarantees for Cavity Wall Insulation fitted by registered installers in the UK and the Channel Islands.

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