Badger

Registered with Property118.com
Wednesday 25th September 2013

Member of The Landlords Union

Trading Status
Sole Owner

Providing essential rental accommodation since
1987

Insures properties through a broker recommended by Property118
Yes


Latest Comments

Total Number of Property118 Comments: 250

Badger

12:07 PM, 12th November 2020
About 2 weeks ago

Price check your existing portfolio insurance costs and save money

No connection, just a happy customer (#not sponsored as the kids say 🙂 ) but I recently saved between 20% and 29% when my freeholds came up for renewal and I went with The Home Insurer.

And that is after several years of being happy with Jason's previous P118 recommendation which was already very price competitive anyway (until now...)

Cost was a factor of course, but what really tipped me over the edge in the end was that Jason's current recommendation includes coverage for cannabis farms - something that I have been becoming increasingly nervous about recently but was not covered by my previous insurer.... Read More

Badger

19:09 PM, 11th November 2020
About 2 weeks ago

Tenants are a nightmare for allowing workman in - EICR?

These points have been made before - both in this thread and elsewhere in other threads but it is not always as clear as it might be to the uninitiated.

1) The 18th edition of the regulations explicitly states that work done to the standards laid out in previous editions of the regs, provided it remains safe in accordance with the standards at the time, is NOT a fail. Landlords need to keep this fact clearly front and centre in their minds when interpreting info being received from electricians.

2) Unlike previous generations of cable modern PVC cables (in use since the 1960s) is not subject to significant deterioration over time so any suggestion that it needs to be changed due to its age is basically nonsense. PVC cable will typically stiffen up a little over many many years but only very rarely does this get to the point where it becomes brittle and thus dangerous - unlike earlier generations of cable technology. Undisturbed cable that has been securely fixed since original installation is unlikely to have become hazardous. There are exceptions however and chief amongst these, in order of occurrence, are cables exposed to decades of UV from sunlight, heat (for example from running too close to cooking appliances), flex due to inadequate fixing, or abrasion. All of these might be a good reason for a specific affected cable to be replaced. Only very rarely indeed would such situations mandate a full rewire.

3) One thing that emphatically does NOT mandate a rewire is having cable in the old red, black, and green livery no matter what any electrician tries to tell you.

All of which having been said, it is nevertheless quite (very) likely that a first EICR on a 1980s property will turn up a list of issues that it will be necessary to attend to.

It's just that the fact that the PVC cables are original is not one of them.... Read More

Badger

18:18 PM, 1st November 2020
About 4 weeks ago

Badger

11:21 AM, 1st November 2020
About 4 weeks ago

Rent Guarantee Insurance - is it worth it?

Reply to the comment left by alocjtoi at 01/11/2020 - 01:11
Letting Supermarket are still offering RGI and they say that claims will not be stymied by the "Covid" excuse.... Read More

Badger

19:18 PM, 24th October 2020
About a month ago

Capital appreciation covering the costs of running a property

Reply to the comment left by Kathy Evans at 23/10/2020 - 19:10
Which area are you in, Kathy?... Read More