Buying or selling a property can be stressful, especially when you discover issues like missing window certificates. If your windows or double glazing were installed without a FENSA certificate, this can raise red flags during property sales. But there’s no need to panic—this is where indemnity insurance for windows comes to the rescue.
In this guide, we’ll explain what indemnity insurance for windows is, why it’s important, and how much it costs, especially if you lack a FENSA certificate. We’ll also explore double glazing indemnity insurance and when you might need it, helping you resolve issues efficiently and move forward with confidence.
Indemnity insurance for windows is a policy designed to protect homeowners and buyers when windows or double glazing have been installed without the necessary building regulation approval, such as a FENSA certificate. This insurance provides financial cover if issues arise later, without requiring costly retroactive certification or work.
When windows are replaced or upgraded in a home, UK regulations require them to comply with building standards. FENSA (Fenestration Self-Assessment Scheme) certificates are the most common way to prove compliance.
Double glazing indemnity insurance is a specific type of cover for properties where double-glazed windows have been installed without the required certification. It protects homeowners and buyers from potential legal action or costs associated with non-compliance.
You might need double glazing indemnity insurance if:
Example: If a surveyor notices missing FENSA certification during a property inspection, double glazing indemnity insurance can prevent the issue from delaying the sale.
One of the most common questions asked is: “What is the cost of indemnity insurance for windows without FENSA certificate?” The good news is that indemnity insurance is relatively affordable compared to alternative solutions.
Tip: Indemnity insurance doesn’t “fix” the missing certificate but provides legal cover, reassuring buyers and mortgage lenders.
If you don’t have a FENSA certificate, indemnity insurance is a quick and effective solution. It protects against legal issues or claims arising from non-compliance with building regulations.
While not legally required, many buyers’ solicitors will recommend indemnity insurance if certificates are missing. It provides reassurance without costly delays or repairs.
To obtain double glazing indemnity insurance:
If your windows were installed by a non-FENSA-registered contractor or you’ve lost the certificate, it’s impossible to get a new one retroactively. Indemnity insurance for windows is the most practical solution, as it avoids the need for inspections or costly replacements.
Here are common scenarios where indemnity insurance is beneficial:
Indemnity insurance provides a simple solution, allowing the sale to proceed without delays or disputes.
How much does indemnity insurance for windows without FENSA certificate cost? Indemnity insurance typically costs between £50 and £200, depending on the property value and insurer. It’s a one-off payment that remains valid indefinitely.
Indemnity insurance for windows is a cost-effective way to resolve missing certificate issues. Here’s why it’s worth considering:
Example: If you’re selling your home and realise your windows lack certification, indemnity insurance can quickly resolve the issue and keep the sale moving forward.
Missing window certificates don’t need to derail your property sale. With indemnity insurance for windows, you can provide reassurance to buyers and mortgage providers without expensive delays or replacements.
From covering double glazing indemnity insurance to understanding the indemnity insurance for windows without FENSA certificate cost, this simple policy offers peace of mind and keeps transactions smooth.
Take action today: Speak to your solicitor about professional indemnity insurance to ensure your sale or purchase goes ahead without unnecessary stress.
