Please find below a number of the most commonly asked questions.
If you question is not listed then you can contact us directly and we will be happy to help.
We have received hundreds of versions of this question. CIGA ( the Cavity Insulation Guarantee Agency) are effectively guaranteeing the quality of workmanship and the materials used and most homeowners should hold a certificate to this effect . Unfortunately, getting CIGA to acknowledge the fact that cavity wall insulation has been the cause of damp and mould can be quite tricky. They have consistently blamed poor build quality of houses or “lifestyle condensation” as the main reason. This has left many people with homes that were both uninhabitable and unsalable. Now that homeowners have started to win litigation cases and parliament have started to recognise that there is a definite link, claims for cost recovery are expected to escalate rapidly. There is already speculation that this will become larger than the PPI claims experience. CIGA are now making an effort to address the issues that their clients have been facing....albeit under pressure from action groups, organisations like ourselves and the involvement of news and current affairs agencies.
This is now becoming a realistic option, with many professional bodies and parliament agreeing that
the size of this scandal could rival and exceed PPI. The priority is always to solve the problem first as damage to health and to property must be controlled before it becomes irreparable. We would advice getting an independent survey to confirm that CWI is the cause of your problems and to collect all the relevant evidence, should it be required for your potential claim, then get a reputable extraction company to immediately remove the faulty CWI.
Some people are more sensitive than others to moulds. Exposure to damp or mould may cause a variety of health effects. Moulds can cause nasal stuffiness, throat irritation, eye irritation, coughing wheezing and even skin irritation. Anyone with a compromised immune system or suffering from any chronic lung illness , may get serious infections. These people must never be allowed in to damp or mouldy environments.
Cavity walls were first introduced into UK properties that were exposed to excessive, wind-driven rain, typically those in coastal areas. Filling the cavity potentially holds the risk of allowing moisture to travel across the gap, bringing damp to the inner wall. In addition, incorrectly installed cavity wall insulation can also leave unfilled air pockets which create cold spots. These areas of colder wall attract condensation. In both instances, this damp creates the perfect environment for the growth of mould and mildew.
Insulation companies were obligated to perform a thorough survey of properties, particularly inspecting the quality of the cavity to ensure the wall met the standards determined by the product manufacturers. In particular, surveys were supposed to check that the walls didn't suffer from unfilled mortar joints,damaged brickwork, exposure to wind driven rain, debris that had dropped down in to the cavity during construction and wall ties covered with mortar droppings.....among many other factors. The prospect of funding for CWI created a 'gold rush' mentality with many of the installer companies.
Quality of installation, suitability of the property and the required surveys unfortunately became secondary considerations.
Cavity Insulation Guarantee Agency
CIGA provide 25 year guarantees for CWI fitted by registered installers in the UK. Levels of indemnity range from £10000 to £20000.
During a recent parliamentary debate, former MP John Denham challenged the independence of CIGA- which he described as an organisation “led almost entirely by directors of insulation companies”