Introduction
As the cost of living rises, many homeowners are attempting to save money by taking on DIY jobs themselves. However, experts have warned that certain jobs must adhere to strict regulations or risk incurring fines of up to £5,000. In addition, attempting certain DIY jobs without the appropriate certification can also invalidate home insurance policies. This article highlights the key DIY jobs that homeowners should avoid and the potential consequences if they are not carried out correctly.
Electrical installations and certification
Special regulations must be followed when undertaking electrical installations in rooms such as bathrooms, where there is a risk of mixing water and electricity. Failure to comply with these regulations not only carries the risk of fines, but can also cause problems when selling a home. Homeowners must ensure they have the appropriate certification for any significant electrical work carried out.
Boiler servicing and insurance
Servicing your own boiler is illegal and may leave homeowners uninsured if problems arise. While not servicing the boiler is not against the law, it can still result in a lack of insurance coverage if issues occur. Insurers often require homeowners to maintain their properties to a certain standard, including carrying out general maintenance tasks like clearing gutters and avoiding damage caused by DIY jobs.
Dangers of badly maintained properties and DIY jobs
Improperly maintained properties and botched DIY jobs are costing homeowners millions of pounds each year in denied insurance payouts. Insurers expect policyholders to maintain their homes to an adequate standard. Failure to do so can result in insurance companies refusing to pay out for damages caused by DIY attempts.
Examples of DIY jobs to avoid
1. Blocked gutters
Blocked gutters can cause significant damage to a property, leading to seeping damp and potential mold growth. Insurers are unlikely to pay out for damp-related issues if it is discovered that gutters have not been cleared.
2. Installing your own solar panels
Buying and installing your own solar panels is not only potentially dangerous, but can also render your insurance useless if problems arise. It is recommended to have an expert install solar panels to ensure safety and to avoid voiding insurance coverage.
3. Installing an animal flap
Installing an animal flap, particularly one large enough for a person to climb through, can impact the safety and security of a home. Some insurers may void a policy if an animal flap is installed without their knowledge.
4. Failing to repair damage promptly
Roof tile damage, cracks in walls, and broken windows must be repaired promptly to avoid insurance issues. Any issues that occur in a home that can be attributed to problems that should have been fixed may result in a denied insurance payout.
5. Insecure windows and doors
Windows and doors that are not secure enough can hinder insurance payouts after burglaries. Weaknesses in frames, cracks in windows, and faulty locks should be replaced to prevent break-ins and satisfy insurance requirements.
6. Servicing your boiler
Any work on oil, gas, or electricity boilers must be carried out by certified professionals. Attempting a DIY job on these systems is illegal and not only risks home insurance coverage but also poses a danger to the homeowner's life and property.
Conclusion
It is crucial for homeowners to be aware of the regulations and potential consequences associated with certain DIY jobs. Failing to comply with regulations or attempting complex tasks without professional certification can incur fines and invalidate home insurance policies. By avoiding these jobs and seeking expert assistance when necessary, homeowners can protect themselves and their properties.
