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Speaker 1: You're listening to the Resident build Up podcast with Peter

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Speaker 1: wolf Camp from News Talks at Bay.

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Speaker 2: The house is a hole even when it's dark.

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Speaker 3: Even when the grass is overgrown in the yard, and

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Speaker 3: even when a dog.

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Speaker 2: Is too old to borrow.

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Speaker 3: And when you're sitting at the table trying not to

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Speaker 3: start house scissor.

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Speaker 2: Home, even when we leave a band, Even when you're

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Speaker 2: there alone, the house is.

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Speaker 3: A hole, even when those goes, even when you got

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Speaker 3: around from the world to let you move screamed world

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Speaker 3: locals vest when them, even when wilber Man, when you're

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Speaker 3: there alone.

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Speaker 4: Well, a very very good morning, and welcome along to

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Speaker 4: the Resident Builder on Sunday. My name's Pete wolf Camp,

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Speaker 4: the Resident Builder. And this is a show well basically

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Speaker 4: all about your place. It's the practical, it's the pragmatic.

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Speaker 4: It's the things you can wrap your hands around and

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Speaker 4: go right, I've fixed it. I've done it, I have

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Speaker 4: to say. And I've thought about this text quite a

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Speaker 4: bit over the last couple over the last week, so

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Speaker 4: we had the most well, I think it was the

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Speaker 4: most delightful text from a woman who said, I'm seventy

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Speaker 4: three years of age. I don't be fair do a

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Speaker 4: great deal. But I encountered a situation where there was

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Speaker 4: a loose screw and a hinge on the kitchen door,

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Speaker 4: and I heard you comment about, you know, a simple

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Speaker 4: fix for those sorts of things is basically, you take

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Speaker 4: the screw out, you put in a match stick, you

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Speaker 4: smack the top of the match stick off, and you

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Speaker 4: put the screw back in and nine times out of

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Speaker 4: ten and to hold it. She said, I did that,

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Speaker 4: and it's one of the first DIY tasks I've ever completed,

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Speaker 4: and I just feel really good about it. So there

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Speaker 4: and this is the thing, and I gosh, I had

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Speaker 4: the I'll tell you about it later on. Just that

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Speaker 4: absolute satisfaction of doing something, something that's permeable, something that's tangible,

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Speaker 4: something that is useful. And that's what the show's about.

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Speaker 4: So if you are thinking about you know, adding onto

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Speaker 4: the deck, or doing a little bit of fencing, or

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Speaker 4: creating some raised planter boxes, or tackling some projects perhaps

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Speaker 4: inside where you need a freshen up or a rejuvenation

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Speaker 4: over the Christmas break, and you'd like to do it yourself, well,

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Speaker 4: I'd love to be to help you out with a

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Speaker 4: bit of advice on all things building and construction. We

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Speaker 4: can also talk about I guess, the less tangible, but

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Speaker 4: ultimately it all comes back to something real in terms

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Speaker 4: of legislation or engagement with counsel, engagement with professionals, selection

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Speaker 4: of product, et cetera, et cetera. This morning on the program,

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Speaker 4: we have no experts joining us but from you, and

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Speaker 4: we've got no interviews booked, and so it is pretty

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Speaker 4: much all yours for a blissful two and a half

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Speaker 4: hours of call it driven conversation. Then we'll jump into

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Speaker 4: the garden with a redclined past at around eight thirty

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Speaker 4: this morning, and we'll wrap up and get out of

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Speaker 4: here at nine o'clock this morning. So join me. Welcome, Welcome, welcome,

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Speaker 4: looking forward to you calls, your conversation and we'll rip

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Speaker 4: right into it. So the numbers are eight hundred and

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Speaker 4: eighty ten eighty if you'd like to call, if you'd

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Speaker 4: like to send a text, it is nine two nine two,

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Speaker 4: that's said B's it'd be from your mobile phone. If

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Speaker 4: you're just looking at the letters, not the numbers. And

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Speaker 4: if you would like to email me, you are more

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Speaker 4: than welcome. It is Pete at NEWSTALKS'DB dot co, dot

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Speaker 4: m Z. It has just ticked over eleven minutes after six.

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Speaker 4: Let's rip into it. Oh, eight hundred eighty ten eighty

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Speaker 4: the number in a very good morning to you, Graham.

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Speaker 4: How are you this morning? Thank you, Peter, Merry Christmas,

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Speaker 4: thank you, thank you.

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Speaker 5: Now I just got I'm gonna build this f a

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Speaker 5: timber fence, and it's my question is where where is?

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Speaker 5: Where would you put the boundary? Now, if you're looking

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Speaker 5: at the end of a timber fence, the end of it, Yes,

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Speaker 5: you've got you've got one hundred one hundred millimeter post.

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Speaker 5: Then on the outside of the one hundred meter post,

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Speaker 5: you've got a fifty millimeter rail bolted on, and then

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Speaker 5: you have the pailings.

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Speaker 4: Yes on that.

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Speaker 5: Now where so you've got the post and you've got.

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Speaker 4: Yeah, the post. If you did do a railing, yep,

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Speaker 4: you do the railing outside.

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Speaker 5: And the railings bolted on the outside, and then you've

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Speaker 5: got the pailing. Where would where would you put the

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Speaker 5: boundary line there?

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Speaker 4: Right now, let's go back a step. How do you

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Speaker 4: know where the boundary is?

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Speaker 5: Because they're going to build a h a new house

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Speaker 5: next door, and and we've got the pins in the ground.

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Speaker 4: Fantastic. Okay, So there's there's been a survey by a

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Speaker 4: registered surveyor and they've put in either the boundary pigs

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Speaker 4: or they put in the marker, so you know exactly

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Speaker 4: where the boundary is.

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Speaker 5: Which, and I'm going to put the fence up, and

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Speaker 5: I've got three different scenarios here. Just yeah, sure, the

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Speaker 5: post and the rail bolted on and then the pailing.

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Speaker 4: Yes, I think you'd probably be on reasonably safe. It

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Speaker 4: seems like the sort of common practice or accepted practice

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Speaker 4: is that, because you can determine exactly where the boundary is,

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Speaker 4: the post could sit straddling the boundary, right, So if

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Speaker 4: it's one hundred b one hundred posts, fifty millimeters of

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Speaker 4: that is on the neighbor's side, fifty millimeters of it

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Speaker 4: is on your side. And then in your instance, if

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Speaker 4: you're going to bolt the railings to the side of

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Speaker 4: it and then put the pailings on that, all of

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Speaker 4: that would happen on your side. Ah, yes, this is

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Speaker 4: how I would view it. Now you could have a

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Speaker 4: discussion with the neighbor and say, look, my intention is

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Speaker 4: to you know, my essentially my fence is going to

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Speaker 4: be one hundred and seventy five millimeters wide in total,

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Speaker 4: and I'd like to balance that out between both sides.

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Speaker 4: But I think that most people would go, let's assume

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Speaker 4: that the post at one hundred millimeters straddles the boundary.

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Speaker 4: That's what you do? Can I also say? And I

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Speaker 4: just can't resist this. One of one of my pet

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Speaker 4: peeves to be fair, is the older I get, the

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Speaker 4: more I have. But is fixing your rails to the

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Speaker 4: outside of the post? Why don't you cut them and

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Speaker 4: nail them in between the posts, saving you fifty millimeters

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Speaker 4: of precious land? And also I just think it looks

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Speaker 4: so much neater.

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Speaker 5: Oh yes, yes, that's the next one is if I

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Speaker 5: have the rail on the inside, yes, and the piling

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Speaker 5: on the outside. That's one hundred plus twenty five yep,

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Speaker 5: So I still go to the middle of the post.

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Speaker 4: Do you think I would? Yes?

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Speaker 5: Yes, yes? And just this is the last one. If

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Speaker 5: you've got the hundred millimeter post and you bolt the

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Speaker 5: rail on the left hand side, yeah, yeah, and you

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Speaker 5: have the pailings in between the posts, so it's a

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Speaker 5: nicer looking fence from both sides.

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Speaker 4: Are you put palings on both sides?

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Speaker 6: No?

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Speaker 5: No, no, No, you have the one hundred millimeter post

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Speaker 5: looking at the end, and then you bolt a rail

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Speaker 5: on the left hand side, yes, which is fifty and

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Speaker 5: then you you nail the pailings in between in between

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Speaker 5: the posts. So you've got if you on one side,

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Speaker 5: you've got the post sticking out and then a flat

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Speaker 5: wall of pailings. On the other side, you've got the

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Speaker 5: All you see is the rail the rails.

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Speaker 4: That would be a rather unconventional way of doing it.

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Speaker 4: I would have thought that whoever's looking at the rails

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Speaker 4: with the palings on the inside separated by the posts,

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Speaker 4: that's to be fair, it's a bit odd.

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Speaker 5: I've seen it one look quite okay, hey.

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Speaker 4: Look if you like it. I just think what I

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Speaker 4: would do is I would stick with determine your boundary,

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Speaker 4: set your posts dead center of the boundary, and then

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Speaker 4: I don't think any but the best, the best part,

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Speaker 4: the best thing is going to have to be talk

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Speaker 4: to your neighbor. It's that's where it should start. Talk

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Speaker 4: to the neighbor. Go from there, and like I say,

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Speaker 4: I can't let you go without saying I just I

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Speaker 4: think whacking your rails on the outside of the posts

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Speaker 4: is just Ah, it just one of those things. Grinds

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Speaker 4: make ears. But hey, look it's your property. You do

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Speaker 4: what you like. But I would stick with the post

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Speaker 4: in the center. All the best of your graham, take care.

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Speaker 6: I wait.

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Speaker 4: One hundred and eighty ten eighty much appreciated for the call. Clear.

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Speaker 4: Good morning to.

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Speaker 5: You morning, Peter.

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Speaker 7: How are you?

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Speaker 4: Yeah, very well in yourself?

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Speaker 7: Good, Thank you good. I've got a question about a

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Speaker 7: scooting board replacement. When I was on holiday earlier in

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Speaker 7: the year, there was a leak in the shower which

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Speaker 7: has damaged the skirting board in the hallway. The builders

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Speaker 7: coming to replace it and suggested using shorter nails and

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Speaker 7: glue just so that he doesn't hit any water pipes

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Speaker 7: right in the walls. Yes, I appreciate, but I was

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Speaker 7: just wondering with the gluing, is that potentially going to

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Speaker 7: cause a problem And if it leaks again in the

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Speaker 7: future and I have to replace the skooting again, so

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Speaker 7: is it normal practice? I don't know.

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Speaker 4: Ah, yeah, I mean I'm just curious now about the

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Speaker 4: leak and if the builder is concerned about hitting the

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Speaker 4: water pipes, so was the leak caused by a nail

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Speaker 4: through the water pipe from the skirting or finishing lines.

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Speaker 7: No, it was apparently just resilicone fixed it.

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Speaker 4: Oh really, yep.

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Speaker 7: They spend thousand of well, I spend thousands of dollars

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Speaker 7: looking for everything, and that's what it came down to.

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Speaker 4: You, right, and it was just a silent issue around

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Speaker 4: the shower tray or something like that. Yeah, okay, yeah, look, no,

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Speaker 4: there's nothing wrong. I mean what you could do, Like typically,

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Speaker 4: if you're fixing skirting boards, right, so you've got timber framing,

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Speaker 4: you've got ten milimeters of plaster board, and most skirtings

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Speaker 4: are ten milimeters thick, right, so you use a fifty

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Speaker 4: mili brad which will embed into the timber, into the

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Speaker 4: timber framing thirty mils. Timber framing typically is ninety millimeters.

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Speaker 4: So there's if there are wires or services running through

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Speaker 4: and whoever put them there has has done it correctly,

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Speaker 4: which is they should be in the middle of the

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Speaker 4: either the bottom plate or the knog or the stud.

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Speaker 4: Then typically you've got some space, right. I do know

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Speaker 4: guys that get a bit lazier or a bit haphazard,

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Speaker 4: and they use sixty five mill brads for example, and

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Speaker 4: that of course will go so much further into the

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Speaker 4: timber and will hit any services that might be running there.

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Speaker 4: The other thing that sometimes happens is people don't mark

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Speaker 4: up where their services are right, so you know, maybe

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Speaker 4: the person doing the plasterboard is not the same person

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Speaker 4: doing the skirting boards. They don't bother marking. You know,

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Speaker 4: two water pipes running up to a shower, for example,

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Speaker 4: and someone wax on the plaster board, doesn't put any

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Speaker 4: notes on the wall or make some marks or something

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Speaker 4: like that. Someone comes through, shoots off their skirting boards

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Speaker 4: and goes straight through the pipe, so that happens heaps.

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Speaker 4: So look, I think even if they were to use

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Speaker 4: like a thirty mili brad which you can buy, which

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Speaker 4: is only going to go ten millimeters in, you would

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Speaker 4: like to assume that no other contractor puts their services

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Speaker 4: within ten milimeters of the surface of the framing, in

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Speaker 4: which case you could do that and a dob of

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Speaker 4: sealant behind them. Depending on the size of the skirting boards,

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Speaker 4: like when I've been doing old villas and that sort

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Speaker 4: of thing, because you've got a much higher skirting board,

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Speaker 4: often put a bead of sealant on the back of

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Speaker 4: the top edge of the skirting board before I fix

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Speaker 4: it in place. Now, if you even take that off

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Speaker 4: and the sealant or the adhesive does its job, it

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Speaker 4: will tear off the paper of the plasterboard, so it

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Speaker 4: does make repair more difficult later on. But ideally you

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Speaker 4: shouldn't be repairing skirting boards. They stay on, and they

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Speaker 4: tend to stay on until there's a major renovation. But yes,

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Speaker 4: if you and look, if they're really really concerned, and

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Speaker 4: I understand why putting some nails at either side and

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Speaker 4: just putting a bead of adhesive sealant behind the skirting

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Speaker 4: board in that area and then press, you know, putting

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Speaker 4: a block against it to hold it until it sets.

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Speaker 4: Absolutely fine, brilliant, Thank you very much.

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Speaker 7: All right, good luck, Okay.

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Speaker 4: Al right here, take care. See then your news talks

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Speaker 4: there be if you have a question of a building nature,

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Speaker 4: eight hundred and eighty ten eighty is the number to call,

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Speaker 4: whether it's fences, whether it's oh gosh, you know, repairs

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Speaker 4: and maintenance, doing those little tips and tricks. We can

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Speaker 4: talk about that as well. And it is just on that.

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Speaker 4: And I mean, I think anyone who's probably either done

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Speaker 4: a build or serious renovation or been involved in the sector.

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Speaker 4: The number of times that have I done it? Yeah,

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Speaker 4: I probably have somewhere along the line. I worked with

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Speaker 4: a guy years and years and years ago, and for

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Speaker 4: some reason both of us decided that we would have

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Speaker 4: slightly different methodologies for marking services and studs. So I

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Speaker 4: would mark if we were hanging plasterboard right, So I

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Speaker 4: would mark where the studs are by marking either side

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Speaker 4: of the stud and putting an X there, I this

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Speaker 4: is where the stud is. And then if there was

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Speaker 4: somewhere where the pipes would come down or some wires,

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Speaker 4: I would do a line either side of where the

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Speaker 4: pipe was and then a squiggle. All right, That to

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Speaker 4: me indicated this is where a pipe is. Don't put

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Speaker 4: a nail through when you're doing your skirtings or your Scotia.

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Speaker 4: Dan God bless them, was doing exactly the opposite, and

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Speaker 4: we worked like that for about a day until we

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Speaker 4: realized that in fact, we were giving each other a

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Speaker 4: target because he would mark X where there was a

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Speaker 4: water pipe and I would think that was a stud

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Speaker 4: and that's a good place to put a nail. Thankfully,

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Speaker 4: nothing went wrong, but communication is always key. Oh eight

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Speaker 4: hundred eighty ten eighty the number to call. If you

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Speaker 4: would have a question of building nature, call us right now,

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Speaker 4: oh eight hundred eighty ten eighty. You and thewse toooks

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Speaker 4: it'd be the lines are open. The number to call

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Speaker 4: eight hundred eighty ten eighty. We're very much in that

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Speaker 4: phase now where we're thinking, right, one more weekend before

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Speaker 4: Christmas then potentially, you know, Christmas dawn on a Wednesday Thursday,

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Speaker 4: does it feel like a good day to start cracking

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Speaker 4: into a few renovation projects around the house. Maybe not,

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Speaker 4: But Friday it's free for all, rip into it and

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Speaker 4: then it's a solid sort of you know, weaken a

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Speaker 4: bit before some people will go back to work, maybe,

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Speaker 4: but more there's always a lot of activity. So if

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Speaker 4: you've got a project that you have in mind and

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Speaker 4: you'd like to chat about it for a little bit,

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Speaker 4: oh eight hundred and eighty ten eighty is the number

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Speaker 4: to call. Just a quick text before we talk to Rudy.

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Speaker 4: Talking fences. If the neighbor wants a fence and the

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Speaker 4: other doesn't want the cost, can he the neighbor do

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Speaker 4: what he likes on his boundary side. Yeah, pretty much,

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Speaker 4: but you've got to ensure if there's not if you're

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Speaker 4: not seeking contribution from the neighbor, or you can't get

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Speaker 4: a contribution, or you don't want to bother then yes,

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Speaker 4: you can build on your side of the boundary and

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Speaker 4: pretty much do what you want, saying that in this

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Speaker 4: instance you do want to seek a contribution, then you

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Speaker 4: need to follow what's set out in the Fencing Act.

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Speaker 4: And of course we had Ben Johnson with us a

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Speaker 4: couple of months oh gosh, it's already a couple of

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Speaker 4: months ago talking about this particular issue. He's a property lawyer.

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Speaker 4: It's certainly my intention to get him back onto the program.

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Speaker 4: We had a number of questions about fencing and the

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Speaker 4: Fencing Act, but also in terms of the Property Act,

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Speaker 4: particularly around trees. You know that classic where I mean

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Speaker 4: even even at home. We planted some olive trees ages ago,

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Speaker 4: and then you know, without suitable pruning, they will shoot

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Speaker 4: up to four five meters, which on the boundary is

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Speaker 4: quite imposing. Rip them out a couple of years ago,

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Speaker 4: replace them with a hedge. That's a lot easier to

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Speaker 4: look after. But even that, left to its own devices

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Speaker 4: can take off and get bigger and bigger, and suddenly

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Speaker 4: what became a little bit of privacy becomes a real

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Speaker 4: issue for a neighbor. So we'll get Ben on the

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Speaker 4: program again next year, along with a number of our

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Speaker 4: regular contributors like Hamrish Firth, who's the town planner. Actually,

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Speaker 4: we probably I noticed there was something in the news

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Speaker 4: this week about a MBA guidance after consultation, So a

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Speaker 4: lot of consultation on Minister Chris Penk's comments about you know,

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Speaker 4: maybe we need to wind back some of the changes

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Speaker 4: to h one around the insallation standards in order to

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Speaker 4: make housing more affordable, and we did an interview with

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Speaker 4: Chris Pink. We've done an interview with a number of

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Speaker 4: people who are saying that's not such a great idea.

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Speaker 4: Apparently all of the consultation has now ended and there'll

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Speaker 4: be some guidance issued early in the new year, so

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Speaker 4: we'll keep an eye on that as well. Oh eight

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Speaker 4: hundred and eighty ten eighty is the number to call.

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Speaker 4: We've got a spare line. After we talked to Rudy,

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Speaker 4: and a very good morning to you, Rudy.

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Speaker 8: Yeah, I peeter around you a couple of weeks ago,

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Speaker 8: probably a bit more than that, about a problem we had.

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Speaker 8: I'll just remind you we bought a show home of

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Speaker 8: a franchise builder. Was two years old when we got it.

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Speaker 8: Brought up with my son. He lives in Farmerston North.

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Speaker 8: We live in Auckland, so it was like by a

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Speaker 8: new home and no hussles because we live a long

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Speaker 8: way away.

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Speaker 4: Was this property for both of you?

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Speaker 8: No, this is his home, Okay, yep, And we've just

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Speaker 8: put half the money and he's supposed to be paying

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Speaker 8: us back very slowly, and he got a mortgage for

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Speaker 8: his We've had problems with the tile bathrooms where water

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Speaker 8: has been escaping under the tiles and one point it's

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Speaker 8: come up a wall and it is on suite and

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Speaker 8: bubbles of paint off. And in the main bathroom it's

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Speaker 8: come out from under the tiles at the at the

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Speaker 8: doorway and was growing growing a mushroom in the carpet.

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Speaker 8: That's how I noticed. That's that it was a problem.

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Speaker 4: And if you said to me the house was ten

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Speaker 4: fifteen years old, maybe I'd accept that, But you know,

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Speaker 4: two years kriky okay.

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Speaker 8: We on the plans. They were a hob at the

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Speaker 8: shower at the shower doors, which was never put in

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Speaker 8: the showers of flush and according to the plans, and

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Speaker 8: I don't even know whether the actual franchise owner realized.

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Speaker 8: We thought the showers were only waterproofed to the shower line.

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Speaker 8: Since then, we're finally found out that the whole bathrooms

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Speaker 8: have been waterproof as the whole on suite has been waterproof,

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Speaker 8: which which is good. Okay, But then that begs the question,

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Speaker 8: you know, why has that membrane failed? You know, you

354
00:20:42,975 --> 00:20:45,935
Speaker 8: were talking about the threshold of the doorway should be

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Speaker 8: should have some sort of water stop prevention at it.

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Speaker 8: And yeah, so there's a fifteen year durability on the

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Speaker 8: on the waterproofing. From where I understand the house is

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00:21:01,615 --> 00:21:06,895
Speaker 8: seven years old. How can you enforce one of the

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Speaker 8: durability warranties?

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Speaker 4: Okay, well, I mean the good like given that the

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00:21:15,975 --> 00:21:18,135
Speaker 4: house was constructed, is it seven years ago or two

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Speaker 4: years ago?

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Speaker 8: So it was seven years ago, right, it was a

364
00:21:21,495 --> 00:21:23,575
Speaker 8: show home for two years, and he's lived in it

365
00:21:23,655 --> 00:21:23,975
Speaker 8: four or.

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Speaker 4: Five Okay, you've lived in it for five years or

367
00:21:26,295 --> 00:21:29,455
Speaker 4: he has ye, well he has yet. Okay, look go

368
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Speaker 4: back seven years and if you look at the application

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Speaker 4: for the code compliance certificate, it will included in that

370
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Speaker 4: and you could go to the council and ask for

371
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Speaker 4: the property bag and that will.

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Speaker 9: We've got.

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Speaker 8: We've got PS whatever, it's called.

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Speaker 4: PS three for the waterproofing yep. And attached to that

375
00:21:51,375 --> 00:21:54,455
Speaker 4: ideally should be a warranty certificate for the type of

376
00:21:54,535 --> 00:21:59,935
Speaker 4: waterproofing system that was installed, So there'll be a document

377
00:21:59,935 --> 00:22:03,295
Speaker 4: in there that that says So the person who's done

378
00:22:03,295 --> 00:22:06,135
Speaker 4: the waterpreffing will say, I am such and such and

379
00:22:06,695 --> 00:22:09,655
Speaker 4: I have done it in accordance with the manufacturer's specification

380
00:22:10,175 --> 00:22:12,455
Speaker 4: and attached to that product yep.

381
00:22:12,695 --> 00:22:17,815
Speaker 8: Yeah, Well it names a product on his certificate and

382
00:22:17,855 --> 00:22:20,855
Speaker 8: it's got his name and everything on it. But I

383
00:22:20,895 --> 00:22:24,735
Speaker 8: haven't seen any attached document to do with the product itself.

384
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Speaker 4: Typically it should be there either way. I think once

385
00:22:28,095 --> 00:22:31,295
Speaker 4: you've identified and I would probably identify the name of

386
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Speaker 4: the main contractor, who is probably the developer who sold

387
00:22:34,815 --> 00:22:38,495
Speaker 4: the show home and the waterproofer, and then I would

388
00:22:40,375 --> 00:22:43,895
Speaker 4: If you can work through this yourself, that's fine. Otherwise

389
00:22:43,935 --> 00:22:46,415
Speaker 4: you may need to get a lawyer to write a

390
00:22:46,495 --> 00:22:49,455
Speaker 4: letter on your behalf saying hey, look, informing you of

391
00:22:49,495 --> 00:22:53,415
Speaker 4: your responsibilities under the Building Act, under the Consumer Guarantees Act,

392
00:22:53,575 --> 00:22:56,535
Speaker 4: et cetera, et cetera. That the whatever you've done has

393
00:22:56,655 --> 00:23:00,095
Speaker 4: failed and you will need to remediate it. And the

394
00:23:00,135 --> 00:23:04,495
Speaker 4: remediation in this instance, I think is going to involve

395
00:23:04,655 --> 00:23:09,095
Speaker 4: removing pretty much all of the tiles, certainly from the

396
00:23:09,135 --> 00:23:12,695
Speaker 4: floor and possibly from most of the walls. If that

397
00:23:13,095 --> 00:23:17,055
Speaker 4: removal of the tiles results in damage to the waterproof membrane,

398
00:23:17,055 --> 00:23:19,695
Speaker 4: which it's likely to do, then that will need to

399
00:23:19,735 --> 00:23:22,335
Speaker 4: come up. Then. I think if you look closely at

400
00:23:22,375 --> 00:23:27,135
Speaker 4: how the waterproofing was detailed around the level entry area,

401
00:23:28,615 --> 00:23:31,895
Speaker 4: what you'll find is there probably wasn't a water stop there.

402
00:23:32,615 --> 00:23:34,975
Speaker 4: You'd need to look on the plans and see whether

403
00:23:35,055 --> 00:23:38,855
Speaker 4: one was detailed. If one was detailed and it's not there,

404
00:23:39,215 --> 00:23:42,615
Speaker 4: then they have built not in accordance with the plan,

405
00:23:42,775 --> 00:23:46,055
Speaker 4: which is a breach of the legislation. And if you

406
00:23:46,095 --> 00:23:48,575
Speaker 4: pull up the tiles near the door and also find

407
00:23:48,575 --> 00:23:50,975
Speaker 4: that a water stop was not installed there or was

408
00:23:51,055 --> 00:23:54,615
Speaker 4: installed incorrectly, then it's basically someone hasn't done their job

409
00:23:54,695 --> 00:23:57,975
Speaker 4: right and they should cover the cost. They should either

410
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Speaker 4: do the remedial or not or cover the cost.

411
00:24:00,855 --> 00:24:03,535
Speaker 8: They should I know they should, but how do you

412
00:24:03,695 --> 00:24:04,135
Speaker 8: enforce it.

413
00:24:05,535 --> 00:24:08,495
Speaker 4: You might find a lot of money going for you know,

414
00:24:08,775 --> 00:24:11,975
Speaker 4: unfortunately you may end up just having to spend a

415
00:24:11,975 --> 00:24:16,335
Speaker 4: truckload of money and then hoping to get that back.

416
00:24:17,095 --> 00:24:21,455
Speaker 4: And this is one of I don't know if the unfortunately,

417
00:24:21,495 --> 00:24:24,855
Speaker 4: there's not a better solution than this. Like ideally, what

418
00:24:24,895 --> 00:24:27,695
Speaker 4: you'd say is, hey, in this instance, here we've found

419
00:24:27,695 --> 00:24:30,975
Speaker 4: some tiling work that's defective, right, we want you to

420
00:24:31,015 --> 00:24:34,375
Speaker 4: come back and repair it. They drag the chain or

421
00:24:34,455 --> 00:24:35,535
Speaker 4: da da da da da.

422
00:24:35,935 --> 00:24:36,735
Speaker 8: What's been happening?

423
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Speaker 9: Basically?

424
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Speaker 4: Yeah, yeah, you're going to have to get a lawyer involved.

425
00:24:40,815 --> 00:24:46,735
Speaker 8: I think, well, is there any dispute resolution through? There

426
00:24:46,855 --> 00:24:48,295
Speaker 8: is actually guarantee?

427
00:24:49,015 --> 00:24:51,495
Speaker 4: Ah? Now is there a Master Builders guarantee?

428
00:24:52,335 --> 00:24:55,695
Speaker 8: There is, but we're spoken to them and they, you know,

429
00:24:55,895 --> 00:25:00,055
Speaker 8: bad workmanship is only covered for three years apparently of.

430
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Speaker 4: Course after the data of construction.

431
00:25:02,895 --> 00:25:05,935
Speaker 8: Yeah, is it bad workmanship or is it a product failure?

432
00:25:07,095 --> 00:25:09,695
Speaker 8: You know? How do you know without pulling it apart?

433
00:25:12,215 --> 00:25:24,095
Speaker 4: Right? Is see, waterproofers are not a restricted trade, so

434
00:25:24,175 --> 00:25:31,415
Speaker 4: you can't go to the LBP scheme. I wonder whether

435
00:25:32,855 --> 00:25:36,695
Speaker 4: if you can find the LBP details of the person

436
00:25:36,775 --> 00:25:40,255
Speaker 4: that was let's say, who's who's on the Certificate Code

437
00:25:40,255 --> 00:25:45,015
Speaker 4: Compliance application as being the LBP for carpentry right, so

438
00:25:45,055 --> 00:25:47,575
Speaker 4: they're the main contractor if they happen to be an

439
00:25:47,695 --> 00:25:52,575
Speaker 4: LBP right so licensed building practitioner. I wonder whether going

440
00:25:52,655 --> 00:26:00,855
Speaker 4: to the LBP Disciplinary Board would be worthwhile because it

441
00:26:00,895 --> 00:26:03,575
Speaker 4: doesn't relate to work under the Code of Ethics, because

442
00:26:03,895 --> 00:26:07,135
Speaker 4: that's only been you can we'll leave that to one side.

443
00:26:07,455 --> 00:26:09,775
Speaker 4: You could go to the LBP board and say, look

444
00:26:09,815 --> 00:26:14,415
Speaker 4: this LBP because they were there is essentially the manager

445
00:26:14,455 --> 00:26:18,935
Speaker 4: of the project and so other people are under It's

446
00:26:18,975 --> 00:26:21,495
Speaker 4: it's tenuous, but it might put a little bit of

447
00:26:21,495 --> 00:26:25,295
Speaker 4: pressure on the LBP to put pressure on the waterproofer

448
00:26:25,415 --> 00:26:30,535
Speaker 4: and tyler to sort out you know, their their their

449
00:26:30,575 --> 00:26:32,895
Speaker 4: work right and their poor work. Because I think in

450
00:26:32,935 --> 00:26:36,935
Speaker 4: this instance there's no question like is it a maintenance issue? No,

451
00:26:37,055 --> 00:26:38,175
Speaker 4: it's not, is it?

452
00:26:38,255 --> 00:26:38,455
Speaker 6: Is it?

453
00:26:38,495 --> 00:26:44,535
Speaker 8: Paul Wood that that that've come up with, uh earthquake

454
00:26:45,175 --> 00:26:48,135
Speaker 8: because some Palmers and north they have earthquakes, so you

455
00:26:48,175 --> 00:26:53,375
Speaker 8: know it's from an earthquake that's lack of maintenance as

456
00:26:53,415 --> 00:26:58,135
Speaker 8: in as in in some places a silicon failed maybe

457
00:26:58,695 --> 00:27:01,175
Speaker 8: and some ground has has fallen out.

458
00:27:01,815 --> 00:27:03,615
Speaker 4: Shouldn't mat but doesn't many.

459
00:27:04,935 --> 00:27:08,895
Speaker 8: Membrane should be the the stop gap, you know, So

460
00:27:09,015 --> 00:27:13,095
Speaker 8: that's why the membrane is there sort of penetrates then

461
00:27:13,175 --> 00:27:15,775
Speaker 8: it's contained by the membrane so it can't get to

462
00:27:15,815 --> 00:27:20,095
Speaker 8: the structure. Am I correct in that?

463
00:27:20,295 --> 00:27:24,375
Speaker 4: Yeah? Look, I think unfortunately you're going to have to

464
00:27:24,655 --> 00:27:27,815
Speaker 4: go and get some legal advice and get a lawyer

465
00:27:27,855 --> 00:27:32,695
Speaker 4: involved with the potential to you know, enforce the repair.

466
00:27:33,375 --> 00:27:38,615
Speaker 4: May also be worthwhile getting some independent advice, like from

467
00:27:38,655 --> 00:27:41,775
Speaker 4: a registered building survey Again, that's going to cost you

468
00:27:41,815 --> 00:27:46,655
Speaker 4: to get repair a report done that. Would you know

469
00:27:46,735 --> 00:27:49,455
Speaker 4: someone who could have a look through the plans, see

470
00:27:49,455 --> 00:27:52,255
Speaker 4: what was detailed on the plan, maybe make an assessment

471
00:27:52,375 --> 00:27:54,375
Speaker 4: as to whether or not it was built in accordance

472
00:27:54,415 --> 00:27:58,335
Speaker 4: with the plan, and provide that technical information to the

473
00:27:58,415 --> 00:28:03,295
Speaker 4: lawyer to impose it. Do you know whether the developer

474
00:28:03,375 --> 00:28:04,895
Speaker 4: has insurance on the building?

475
00:28:06,935 --> 00:28:13,335
Speaker 8: The world no insurance. The franchise owner, yeah, says he

476
00:28:13,375 --> 00:28:16,495
Speaker 8: has no insurance. Okay, so that's where he's told me. Okay,

477
00:28:17,535 --> 00:28:18,855
Speaker 8: registered building surveyors.

478
00:28:19,895 --> 00:28:22,375
Speaker 4: So if you just search for building surveyors dot co,

479
00:28:22,455 --> 00:28:25,935
Speaker 4: dot NZ, dot org, dot z or just search for

480
00:28:26,495 --> 00:28:31,975
Speaker 4: in z I b S in IB just type that

481
00:28:32,055 --> 00:28:33,975
Speaker 4: in as a Google search. What it'll do is it'll

482
00:28:33,975 --> 00:28:37,255
Speaker 4: bring up the New Zealands to the building surveyors. It'll

483
00:28:37,295 --> 00:28:41,095
Speaker 4: have contractors in people who are licensed in your area,

484
00:28:41,255 --> 00:28:44,535
Speaker 4: so you can search by region, you know, reach out

485
00:28:44,535 --> 00:28:46,935
Speaker 4: to a couple of them and get them to come

486
00:28:47,335 --> 00:28:50,775
Speaker 4: do it. They could do a report based on what

487
00:28:50,815 --> 00:28:53,295
Speaker 4: they see or if there's a need to pull up

488
00:28:53,295 --> 00:28:56,615
Speaker 4: a couple of tiles. But then, of course the bathroom

489
00:28:56,655 --> 00:28:59,775
Speaker 4: won't function, you know, once you start doing some destructive work.

490
00:29:00,815 --> 00:29:03,455
Speaker 8: But it might anymore, so as soon as we start

491
00:29:03,535 --> 00:29:04,535
Speaker 8: distracting it.

492
00:29:04,615 --> 00:29:08,415
Speaker 4: Were Yeah, then then it's inoperable for a period of time.

493
00:29:10,815 --> 00:29:15,015
Speaker 4: It's a genuine fault, let's say, or there's a gap

494
00:29:15,055 --> 00:29:18,495
Speaker 4: in the system where you know, in these instances where

495
00:29:18,575 --> 00:29:22,375
Speaker 4: there's clearly work that's been done which hasn't been done

496
00:29:22,415 --> 00:29:26,455
Speaker 4: to the code or to standard has failed, and then

497
00:29:26,535 --> 00:29:31,295
Speaker 4: the redress for the homeowner or the is so tortuous, right,

498
00:29:31,775 --> 00:29:34,575
Speaker 4: you know, it could be another year before you got

499
00:29:34,575 --> 00:29:35,255
Speaker 4: any sort.

500
00:29:35,095 --> 00:29:37,895
Speaker 8: Of Well it's been four months so far and we've

501
00:29:37,895 --> 00:29:39,535
Speaker 8: got nowhere, We've got around the circles.

502
00:29:39,735 --> 00:29:43,055
Speaker 4: Yeah, four months, you know, Yeah, frustrating, look really frustrating.

503
00:29:43,255 --> 00:29:44,415
Speaker 4: I think you're going to have to get a bit

504
00:29:44,415 --> 00:29:48,055
Speaker 4: heavy with it and get a lawyer involved. Okay, thanks,

505
00:29:48,255 --> 00:29:52,295
Speaker 4: I appreciate the update, and please stay in touch. All right,

506
00:29:52,335 --> 00:29:58,815
Speaker 4: all the best, take care thing. It is enormously frustrating.

507
00:29:58,855 --> 00:30:03,255
Speaker 4: I get that. And look, as a contractor, you know,

508
00:30:03,335 --> 00:30:06,695
Speaker 4: we're if we're really honest, we've all probably I speak

509
00:30:06,695 --> 00:30:09,615
Speaker 4: for myself and probably for most others being involved in

510
00:30:09,655 --> 00:30:12,855
Speaker 4: situations where things haven't gone well right, and so there

511
00:30:12,935 --> 00:30:17,735
Speaker 4: is a need to redress and as difficult as it is,

512
00:30:17,775 --> 00:30:19,295
Speaker 4: the best thing to do is just get on to

513
00:30:19,415 --> 00:30:22,695
Speaker 4: it and get it fixed. But it also just a

514
00:30:22,815 --> 00:30:25,735
Speaker 4: question or a comment, and a call like this raises

515
00:30:25,775 --> 00:30:30,015
Speaker 4: so many issues, particularly around maybe we do need to

516
00:30:30,055 --> 00:30:37,735
Speaker 4: move to compulsory insurance for people undertaking building work. You

517
00:30:37,735 --> 00:30:41,175
Speaker 4: can ask for it, but it's not an absolute requirement,

518
00:30:41,735 --> 00:30:44,655
Speaker 4: you know, because in this instance here, if for example,

519
00:30:44,695 --> 00:30:48,655
Speaker 4: the waterproofer had insurance public liability contract works that sort

520
00:30:48,695 --> 00:30:53,535
Speaker 4: of thing, then in the event that there's a failure,

521
00:30:53,695 --> 00:30:57,015
Speaker 4: and there is in this case, the homeowner could then

522
00:30:57,095 --> 00:31:01,615
Speaker 4: go to the insurer and go it's a problem with

523
00:31:03,255 --> 00:31:05,935
Speaker 4: work that's been insured by you. You're going to fix it,

524
00:31:06,015 --> 00:31:08,295
Speaker 4: and you put pressure on the insurer to come and

525
00:31:08,375 --> 00:31:11,695
Speaker 4: fix it. But we don't have to have compulsory insurance

526
00:31:11,695 --> 00:31:14,495
Speaker 4: in New Zealand. Be very interesting to see over the

527
00:31:14,495 --> 00:31:17,655
Speaker 4: next couple of years if that becomes something that gets

528
00:31:17,695 --> 00:31:20,935
Speaker 4: introduced into the building legislation. Happy to take a call

529
00:31:20,975 --> 00:31:22,975
Speaker 4: on that. Oh eight, one hundred and eighty ten eighty

530
00:31:24,255 --> 00:31:26,415
Speaker 4: is the number to call. Actually, someone says text through

531
00:31:27,735 --> 00:31:30,575
Speaker 4: the waterproofing membrane may not have failed and it may

532
00:31:30,615 --> 00:31:32,375
Speaker 4: in fact have done its job, and the water is

533
00:31:32,455 --> 00:31:35,535
Speaker 4: tracking between the tile and the membrane drew due to

534
00:31:35,615 --> 00:31:37,855
Speaker 4: the lack of water stops very gray area and it

535
00:31:37,895 --> 00:31:40,655
Speaker 4: wouldn't start any work until all of the parties are notified.

536
00:31:40,935 --> 00:31:44,535
Speaker 4: Sensible advice, I agree, because there is you know, when

537
00:31:44,615 --> 00:31:47,095
Speaker 4: you do have work that's been done and it's not

538
00:31:47,295 --> 00:31:49,855
Speaker 4: up to standard or there is a fault with it,

539
00:31:50,335 --> 00:31:55,015
Speaker 4: there is a you have to give the contractor the

540
00:31:55,055 --> 00:31:59,335
Speaker 4: opportunity to remedy. So it's quite clear and the legislation.

541
00:31:59,415 --> 00:32:02,975
Speaker 4: You can't just go ahead, for example, in Rudy's case,

542
00:32:03,335 --> 00:32:05,775
Speaker 4: get someone and strip out all the tiles, redo the

543
00:32:05,815 --> 00:32:08,695
Speaker 4: waterproof redo the tiles. It's going to cost you twenty

544
00:32:08,735 --> 00:32:13,375
Speaker 4: grand and send a bill to the contractor. The contract

545
00:32:13,375 --> 00:32:16,695
Speaker 4: has no obligation to pay that if they haven't been

546
00:32:16,815 --> 00:32:19,535
Speaker 4: if they haven't had the opportunity to remedy in the

547
00:32:19,575 --> 00:32:22,175
Speaker 4: first place. People have been caught out by that as well.

548
00:32:22,415 --> 00:32:24,775
Speaker 4: Six forty two Here at Newstalk SEB the lines are open.

549
00:32:24,815 --> 00:32:28,095
Speaker 4: The number to call eight hundred eighty ten eighty. We've

550
00:32:28,095 --> 00:32:31,535
Speaker 4: had a couple of texts from people reporting a little

551
00:32:31,535 --> 00:32:34,575
Speaker 4: bit of shaking in Wellington and you're absolutely right. So

552
00:32:34,615 --> 00:32:38,815
Speaker 4: at six thirty two this morning there was a small

553
00:32:39,015 --> 00:32:43,495
Speaker 4: ish quake estimated magnitude of about four point five eight

554
00:32:43,615 --> 00:32:48,735
Speaker 4: kilometers from Lower Hut at around six thirty two a m.

555
00:32:49,095 --> 00:32:55,615
Speaker 4: This morning. Not unusual, Not well, how can you expect

556
00:32:55,615 --> 00:32:57,215
Speaker 4: something that we know is going to happen at some

557
00:32:57,295 --> 00:33:01,215
Speaker 4: stage or call it unexpected? So but yes, there was

558
00:33:01,255 --> 00:33:03,215
Speaker 4: certainly a wee jolt that will get you out of

559
00:33:03,215 --> 00:33:06,495
Speaker 4: bed and have you looking nervously around the house potentially.

560
00:33:06,695 --> 00:33:09,695
Speaker 4: At around six thirty two this morning, a couple of

561
00:33:09,735 --> 00:33:12,975
Speaker 4: texts have come in with regard to the waterproofing, one

562
00:33:13,575 --> 00:33:17,495
Speaker 4: which you know can get really problematic. I mean the

563
00:33:17,495 --> 00:33:21,935
Speaker 4: other thing, Wow, when it works well, it does work well,

564
00:33:22,015 --> 00:33:26,695
Speaker 4: and I'm thinking, you know, I mean we did waterproofing

565
00:33:26,735 --> 00:33:31,575
Speaker 4: in a shower twenty odd years ago. No issues right

566
00:33:31,615 --> 00:33:34,735
Speaker 4: fully tiled shower with a hob with an upstand, admittedly,

567
00:33:34,775 --> 00:33:38,015
Speaker 4: and that does make a bit of a difference. Brush

568
00:33:38,015 --> 00:33:42,175
Speaker 4: on application tiled over silicon got replaced I don't know,

569
00:33:42,255 --> 00:33:46,095
Speaker 4: four or five years ago. It'll be interesting when it's

570
00:33:46,135 --> 00:33:47,935
Speaker 4: sort of reaching the end of its life to pull

571
00:33:47,975 --> 00:33:51,375
Speaker 4: it apart and see whether there's been any moisture ingress

572
00:33:51,415 --> 00:33:55,575
Speaker 4: through the waterproofing membrane. But done well, no problems whatsoever,

573
00:33:56,095 --> 00:33:58,295
Speaker 4: Morning Peak. In regard to the waterproofing issue, this is

574
00:33:58,335 --> 00:34:01,935
Speaker 4: a prime example of not allowing self certification and the

575
00:34:01,975 --> 00:34:08,335
Speaker 4: need for BCO's building consent authorities to be involved in

576
00:34:08,535 --> 00:34:16,255
Speaker 4: all points of construction. Yes, and would remote inspections via

577
00:34:16,495 --> 00:34:19,815
Speaker 4: videos of essentially using the video on your camera and

578
00:34:19,855 --> 00:34:24,455
Speaker 4: the artis in software that's being developed by brands allow

579
00:34:24,615 --> 00:34:28,735
Speaker 4: an inspector to see enough of the waterproofing to feel

580
00:34:28,735 --> 00:34:33,295
Speaker 4: confident that it's going to perform for the required time

581
00:34:33,375 --> 00:34:37,815
Speaker 4: or more than the requiet time. Another text on this,

582
00:34:38,095 --> 00:34:40,535
Speaker 4: Why is New Zealand so backwards when there is no

583
00:34:40,655 --> 00:34:42,735
Speaker 4: insurance for building You would have thought it was a

584
00:34:42,855 --> 00:34:47,775
Speaker 4: no brainer and common sense. You know, increasingly I'm tending

585
00:34:47,855 --> 00:34:53,535
Speaker 4: to agree with you. I think it seems like a straightforward,

586
00:34:53,655 --> 00:34:58,255
Speaker 4: practical way of ensuring that when there is a problem,

587
00:34:58,495 --> 00:35:01,935
Speaker 4: it doesn't become even more of a problem for the

588
00:35:02,015 --> 00:35:07,775
Speaker 4: homeowner to resolve. You know, where things are delayed, delayed, delayed,

589
00:35:07,855 --> 00:35:12,455
Speaker 4: dragged out, dragged out, no resolution, very complex, very stressful

590
00:35:12,575 --> 00:35:16,055
Speaker 4: potentially for the owners that if there was insurance in

591
00:35:16,135 --> 00:35:18,935
Speaker 4: place that you essentially don't need to bother with trying

592
00:35:18,975 --> 00:35:21,135
Speaker 4: to get the contractor back. You just go back to

593
00:35:21,215 --> 00:35:26,295
Speaker 4: the insurer. Will that add cost, Yes, because insurance is

594
00:35:26,335 --> 00:35:29,975
Speaker 4: expensive and that's going to filter through to the cost

595
00:35:30,015 --> 00:35:33,775
Speaker 4: of each build, But it would give some surety to homeowners,

596
00:35:34,095 --> 00:35:38,535
Speaker 4: and right now it's not compulsory. And then for contractors,

597
00:35:38,695 --> 00:35:42,735
Speaker 4: you know, if as a contractor, the insurer finds that

598
00:35:42,855 --> 00:35:47,655
Speaker 4: you have a track record where you're being called back

599
00:35:47,975 --> 00:35:50,255
Speaker 4: because your work is not up to standard, then I

600
00:35:50,295 --> 00:35:52,775
Speaker 4: would imagine that insurers will just decide that you're not

601
00:35:52,815 --> 00:35:55,255
Speaker 4: a good client and so you won't get insurance. And

602
00:35:55,295 --> 00:35:57,295
Speaker 4: if you can't build without insurance, it's a way of

603
00:35:57,335 --> 00:36:02,055
Speaker 4: getting rid of poor contractors from the industry. You're right,

604
00:36:02,135 --> 00:36:04,535
Speaker 4: it is a simple solution, which is probably why we

605
00:36:04,575 --> 00:36:06,655
Speaker 4: don't do it. Oh eight hundred and eighty ten the

606
00:36:06,735 --> 00:36:08,215
Speaker 4: number to call. The lines are open. Give me a

607
00:36:08,215 --> 00:36:10,735
Speaker 4: call now. We're talking all things building construction. If you've

608
00:36:10,775 --> 00:36:12,935
Speaker 4: got a project on, if you're eyeing up the summer break,

609
00:36:12,975 --> 00:36:15,775
Speaker 4: thinking great, this is my opportunity. I'm going to crack

610
00:36:15,815 --> 00:36:20,175
Speaker 4: into extending the deck orps like our first caller Graham,

611
00:36:20,255 --> 00:36:23,535
Speaker 4: looking at doing some fencing. Perhaps it's just a bit

612
00:36:23,615 --> 00:36:26,575
Speaker 4: of a refresh. Maybe it's some outdoor painting. All of

613
00:36:26,615 --> 00:36:28,575
Speaker 4: these sorts of things. We can talk about your summer

614
00:36:28,615 --> 00:36:30,815
Speaker 4: projects now on the program. Oh eight hundred and eighty

615
00:36:30,855 --> 00:36:35,215
Speaker 4: ten eighty Backnam your news talk CB open line on

616
00:36:35,415 --> 00:36:40,175
Speaker 4: all things building and construction. And Lynn, thank you very

617
00:36:40,255 --> 00:36:42,455
Speaker 4: much for your text. So here's the text. Hey, peet,

618
00:36:42,975 --> 00:36:45,215
Speaker 4: any chance you could do a shout out of happy

619
00:36:45,215 --> 00:36:49,255
Speaker 4: birthday to my dad Warwick the builder, ninety two years

620
00:36:49,335 --> 00:36:52,495
Speaker 4: old today still helps me with all the fix ups

621
00:36:52,535 --> 00:36:55,775
Speaker 4: around the house. And love's listening to your show. It

622
00:36:55,815 --> 00:36:58,615
Speaker 4: would be an honor to be fair Lynn to say

623
00:36:58,615 --> 00:37:01,855
Speaker 4: happy birthday to Warwick at ninety two years of age,

624
00:37:02,415 --> 00:37:05,735
Speaker 4: obviously still active, still engaged. Hopefully you don't let them

625
00:37:05,735 --> 00:37:08,015
Speaker 4: get up on the roof and clean out the spouting

626
00:37:08,015 --> 00:37:10,615
Speaker 4: and those sorts of things. That would be a bit silly,

627
00:37:10,655 --> 00:37:13,375
Speaker 4: but that sounds delightful. So I was just trying to

628
00:37:13,375 --> 00:37:15,455
Speaker 4: do some numbers in my head. So at ninety two,

629
00:37:16,175 --> 00:37:18,415
Speaker 4: basically almost the same age as my mum, or she

630
00:37:18,455 --> 00:37:23,375
Speaker 4: will be in January, So born nineteen thirty three, thirty

631
00:37:23,895 --> 00:37:30,055
Speaker 4: something like that, and gosh, would have been building in

632
00:37:30,095 --> 00:37:33,135
Speaker 4: the early nineteen fifties would have been a fascinating time

633
00:37:33,175 --> 00:37:35,855
Speaker 4: to be building. I mean, if we're looking at New

634
00:37:35,935 --> 00:37:39,015
Speaker 4: Zealand construction, we tend to regard that as sort of

635
00:37:38,735 --> 00:37:41,495
Speaker 4: the best that we ever built. If you look at

636
00:37:41,575 --> 00:37:46,975
Speaker 4: you know, state houses built post war, remove framing, matti floorboards,

637
00:37:47,015 --> 00:37:50,895
Speaker 4: timber joinery, weather boards on the outside, maybe concrete tile roofs,

638
00:37:50,935 --> 00:37:55,655
Speaker 4: that sort of thing, robust, straightforward, simple structures that stood

639
00:37:55,695 --> 00:37:57,975
Speaker 4: the test of time, because there's still a heap of

640
00:37:58,015 --> 00:38:00,935
Speaker 4: them around And Warwick may have been building at that

641
00:38:01,015 --> 00:38:02,895
Speaker 4: time as well, might have been building some of those

642
00:38:02,935 --> 00:38:06,015
Speaker 4: brand new suburbs that were popping up in areas like

643
00:38:06,615 --> 00:38:08,175
Speaker 4: depending on where you are in the country, if you're

644
00:38:08,215 --> 00:38:11,775
Speaker 4: in Auckland, you know Pamure and maybe new Lynden and

645
00:38:11,815 --> 00:38:14,695
Speaker 4: those sorts of areas. So anyway, Warick our very happy

646
00:38:14,695 --> 00:38:19,735
Speaker 4: birthday to you on your ninety second birthday today. That's delightful, England.

647
00:38:19,775 --> 00:38:23,495
Speaker 4: Thanks very much for your text. That's fantastic. Just with

648
00:38:23,575 --> 00:38:27,255
Speaker 4: regard to a couple more texts on the whole waterproofing thing,

649
00:38:27,295 --> 00:38:29,495
Speaker 4: because people do get a bit freaked out about it.

650
00:38:30,615 --> 00:38:32,975
Speaker 4: Tile over a shower tray, I would never rely on

651
00:38:33,015 --> 00:38:37,935
Speaker 4: a membrane, see like, that's not my experience. Over the years.

652
00:38:37,975 --> 00:38:40,775
Speaker 4: I've done plenty of membranes and had lots of tiling

653
00:38:40,855 --> 00:38:44,615
Speaker 4: done over membranes, and probably in more than ninety nine

654
00:38:44,655 --> 00:38:50,215
Speaker 4: percent of the cases no failure whatsoever. So in that sense, no,

655
00:38:50,775 --> 00:38:54,415
Speaker 4: I wouldn't agree with that statement at all. I have

656
00:38:54,775 --> 00:39:01,575
Speaker 4: complete confidence in membranes when they're done well, and you know,

657
00:39:01,615 --> 00:39:05,215
Speaker 4: if they're done either in accordance with the manufacturer's specifications,

658
00:39:05,255 --> 00:39:08,455
Speaker 4: done by someone who is an approved applicator of the

659
00:39:08,495 --> 00:39:13,135
Speaker 4: product as well, and then done with the correct detailing

660
00:39:13,175 --> 00:39:15,535
Speaker 4: in terms of the waterproofing. Because you can just with

661
00:39:15,575 --> 00:39:17,815
Speaker 4: regard to that earlier caller as talking about the leaking

662
00:39:18,255 --> 00:39:21,095
Speaker 4: out of the shower tray or out of the shower

663
00:39:21,135 --> 00:39:24,615
Speaker 4: area onto the floor, that will almost one hundred percent

664
00:39:24,695 --> 00:39:27,255
Speaker 4: be because there's no water stop which has been installed

665
00:39:27,375 --> 00:39:30,415
Speaker 4: water stop is a little either aluminium angle or something

666
00:39:30,495 --> 00:39:34,175
Speaker 4: like that that's installed to separate the waterproofing membrane from

667
00:39:34,255 --> 00:39:37,735
Speaker 4: inside a shower enclosure from the waterproofing membrane that you

668
00:39:37,815 --> 00:39:41,455
Speaker 4: might put on the underside of the on the on

669
00:39:41,535 --> 00:39:45,095
Speaker 4: the floor for the rest of the fully tiled shower area.

670
00:39:45,215 --> 00:39:47,735
Speaker 4: If you're tiling all of the floor between the if

671
00:39:47,775 --> 00:39:50,935
Speaker 4: it's a level entry shower, you put in a shower stop.

672
00:39:50,935 --> 00:39:53,415
Speaker 4: If you've got a hob it's a slightly different detail.

673
00:39:53,495 --> 00:39:55,295
Speaker 4: You can still add a water stop to it. But

674
00:39:55,695 --> 00:39:59,855
Speaker 4: interesting it's not there in the Waterproofing Association's guides, which

675
00:39:59,895 --> 00:40:02,135
Speaker 4: I actually had to read through the other day in

676
00:40:02,175 --> 00:40:03,855
Speaker 4: the same way that in tidying U might.

677
00:40:05,255 --> 00:40:05,495
Speaker 2: Yield.

678
00:40:05,575 --> 00:40:08,255
Speaker 4: News Talk CB Welcome back to the program today on

679
00:40:08,295 --> 00:40:11,215
Speaker 4: the program it's all you, So there is I've got

680
00:40:11,255 --> 00:40:14,255
Speaker 4: nothing lined up in terms of experts or interviews or

681
00:40:14,295 --> 00:40:16,855
Speaker 4: anything like that, so plenty of time to take your

682
00:40:16,895 --> 00:40:19,615
Speaker 4: calls this morning on the Resident Builder on Sunday here

683
00:40:19,695 --> 00:40:22,855
Speaker 4: at News Talk z B. So if you've got a

684
00:40:22,935 --> 00:40:25,775
Speaker 4: question of a building nature, and I do get that

685
00:40:25,855 --> 00:40:29,375
Speaker 4: sense that you know, people are starting to gear up

686
00:40:29,415 --> 00:40:31,775
Speaker 4: for right what sort of I've got a bit of

687
00:40:31,775 --> 00:40:35,135
Speaker 4: time at home over the Christmas break. Yes, I know

688
00:40:35,215 --> 00:40:36,775
Speaker 4: I want to take a bit of a break, but

689
00:40:37,095 --> 00:40:40,415
Speaker 4: maybe I also get a chance to sort out some

690
00:40:40,455 --> 00:40:44,015
Speaker 4: work on the deck, maybe do some repairs and maintenance,

691
00:40:45,455 --> 00:40:48,855
Speaker 4: and you know, maybe something inside the house, possibly something

692
00:40:48,895 --> 00:40:50,775
Speaker 4: outside the house. So if you've got a project in

693
00:40:50,895 --> 00:40:54,415
Speaker 4: mind for the Christmas break, then and you want to

694
00:40:54,455 --> 00:40:56,415
Speaker 4: talk about a little bit of advice, whether it's the

695
00:40:57,615 --> 00:41:00,295
Speaker 4: talking earlier about fencing, for example, we've had a couple

696
00:41:00,295 --> 00:41:07,935
Speaker 4: of questions on waterproofing and warranties and contract tradespeople. Then

697
00:41:07,975 --> 00:41:10,375
Speaker 4: we can talk all of these things and more on

698
00:41:10,415 --> 00:41:12,415
Speaker 4: the program this morning. So the lines are open. The

699
00:41:12,495 --> 00:41:15,815
Speaker 4: number is eight hundred and eighty ten eighty. Also, of

700
00:41:15,855 --> 00:41:18,815
Speaker 4: course you can text, which is nine to nine two

701
00:41:19,495 --> 00:41:21,815
Speaker 4: from your mobile phone, and if you'd like to email me,

702
00:41:22,015 --> 00:41:23,975
Speaker 4: you're more than welcome to do that. It is Pete

703
00:41:24,055 --> 00:41:27,775
Speaker 4: Atnewstalk zb dot co dot nz. In fact, I had

704
00:41:27,815 --> 00:41:32,135
Speaker 4: to log into my emails, my work emails yesterday ahead

705
00:41:32,135 --> 00:41:37,335
Speaker 4: of joining Tim Beveridge as a guest panelist in the

706
00:41:37,375 --> 00:41:41,415
Speaker 4: afternoon and sent away a couple of someone had requested

707
00:41:41,455 --> 00:41:46,935
Speaker 4: some copies of the owl Box plans. So I think

708
00:41:46,975 --> 00:41:49,815
Speaker 4: Over the course of the year we've talked about the

709
00:41:49,855 --> 00:41:52,615
Speaker 4: sort of the number of owls that are making their

710
00:41:52,655 --> 00:41:56,375
Speaker 4: way into urban areas. Again, it's related to building in

711
00:41:56,415 --> 00:41:59,295
Speaker 4: a sense, and I've made a couple of owl boxes

712
00:41:59,375 --> 00:42:01,775
Speaker 4: and Roud very kindly sent me a number of different

713
00:42:01,775 --> 00:42:06,135
Speaker 4: plans for owl boxes for either smaller hours like rural

714
00:42:06,375 --> 00:42:10,255
Speaker 4: more pork or four larger owls like this. There is

715
00:42:10,295 --> 00:42:13,975
Speaker 4: a population of German barn owls which have become native

716
00:42:14,295 --> 00:42:18,575
Speaker 4: endemic to the Northland and spreading south. But anyway, I

717
00:42:18,615 --> 00:42:21,015
Speaker 4: sent off some plans for that. I think this year

718
00:42:21,055 --> 00:42:23,455
Speaker 4: I've probably sent away I don't know ten or fifteen

719
00:42:23,495 --> 00:42:26,775
Speaker 4: people have inquired about plans for ol box. That would

720
00:42:26,815 --> 00:42:30,855
Speaker 4: be a lovely wee DIY project. Over the summer as well,

721
00:42:31,615 --> 00:42:35,175
Speaker 4: I've made a bunch for friends and now I've got

722
00:42:35,215 --> 00:42:38,615
Speaker 4: to make some slightly larger ones as well. Eight hundred

723
00:42:38,655 --> 00:42:40,935
Speaker 4: and eighty ten eighty is the number to call if

724
00:42:40,975 --> 00:42:44,175
Speaker 4: you've got a building question of any nature, or you

725
00:42:44,375 --> 00:42:46,815
Speaker 4: want to talk about our boxes. To be fair, knock

726
00:42:46,855 --> 00:42:49,015
Speaker 4: yourself out, and you know, maybe you want to think

727
00:42:49,055 --> 00:42:52,855
Speaker 4: about giving gifts for Christmas. I bought by the other day.

728
00:42:53,855 --> 00:42:58,695
Speaker 4: I suddenly realized I didn't have a decent compass, you

729
00:42:58,735 --> 00:43:02,135
Speaker 4: know for scribing circles and that sort of thing, so

730
00:43:02,175 --> 00:43:04,095
Speaker 4: I bought a decent I had some little ones that

731
00:43:04,135 --> 00:43:06,175
Speaker 4: look like the ones that you had in your school pencil,

732
00:43:06,575 --> 00:43:09,495
Speaker 4: but insufficient, not not up to the standard that I needed.

733
00:43:10,295 --> 00:43:13,375
Speaker 4: So you might be looking at buying tools for Christmas.

734
00:43:15,255 --> 00:43:17,335
Speaker 4: I say, I popped into the Devonport Timber to picked

735
00:43:17,335 --> 00:43:20,135
Speaker 4: something up the other day and they had the good

736
00:43:20,255 --> 00:43:24,775
Speaker 4: Rules folding rulers designed by a Kiwi sort of for

737
00:43:24,935 --> 00:43:28,855
Speaker 4: Kiwi conditions. They're a nifty little actually there there you go.

738
00:43:29,095 --> 00:43:32,095
Speaker 4: If you're thinking about someone who's got everything and they

739
00:43:32,135 --> 00:43:35,055
Speaker 4: don't have a good rule And I'm not endorsing it necessarily,

740
00:43:35,055 --> 00:43:36,695
Speaker 4: I just think they're a really useful little bit of

741
00:43:36,775 --> 00:43:40,175
Speaker 4: kit and New Zealand design which is nifty. So when

742
00:43:40,255 --> 00:43:42,455
Speaker 4: you use them, they are exactly ten mil thick, which

743
00:43:42,495 --> 00:43:46,495
Speaker 4: is the size of jibboard typically or one type of

744
00:43:46,615 --> 00:43:49,175
Speaker 4: jib board. They are forty five mil wide, which is

745
00:43:49,495 --> 00:43:52,575
Speaker 4: typically our framing, and they're only six hundred long, which

746
00:43:52,575 --> 00:43:55,735
Speaker 4: is nifty as well. Anyway, something for the Christmas stocking,

747
00:43:55,815 --> 00:43:57,975
Speaker 4: oh eight hundred might have to drop a hand oh

748
00:43:57,975 --> 00:44:00,775
Speaker 4: eight hundred eighty ten eighty is the number to call

749
00:44:00,815 --> 00:44:03,855
Speaker 4: if you've got building questions that would be awesome. Eight

750
00:44:03,935 --> 00:44:06,615
Speaker 4: hundred eighty ten eighty is the number to call. Thank

751
00:44:06,655 --> 00:44:08,655
Speaker 4: you for the text. I've heard you say this morning

752
00:44:08,695 --> 00:44:11,295
Speaker 4: that you'll not be speaking to any experts. Should route

753
00:44:11,295 --> 00:44:16,495
Speaker 4: be offended, Yes, but he'll be all right. I'm talking

754
00:44:16,495 --> 00:44:19,335
Speaker 4: about building experts. I'm not talking about gardening experts, which

755
00:44:19,375 --> 00:44:21,575
Speaker 4: he is, and he will be joining us at around

756
00:44:21,575 --> 00:44:24,455
Speaker 4: eight point thirty this morning. Oh, eight hundred and eighty

757
00:44:24,495 --> 00:44:28,615
Speaker 4: ten eighty the number. Hello, Lydia, Linda, good morning.

758
00:44:28,415 --> 00:44:32,135
Speaker 10: Good morning, good morning. I'm getting some renovations done in

759
00:44:32,175 --> 00:44:34,335
Speaker 10: my house and it's the first time I've ever done it. Well,

760
00:44:34,735 --> 00:44:38,415
Speaker 10: I'm getting my kitchen done because it's old and dilapidated,

761
00:44:38,775 --> 00:44:41,175
Speaker 10: so they're going to everything out, you know, the old

762
00:44:41,255 --> 00:44:45,655
Speaker 10: cabinets and the stove and everything, and I'm also going

763
00:44:45,695 --> 00:44:47,975
Speaker 10: to replace, you know, once I've done that, the jibbing,

764
00:44:48,055 --> 00:44:50,135
Speaker 10: and you do it all nice and put the news

765
00:44:50,175 --> 00:44:53,895
Speaker 10: to cabinets and also put a pocket door in for me. Yes,

766
00:44:54,495 --> 00:44:56,615
Speaker 10: I was wondering do I need a consent for that?

767
00:44:57,455 --> 00:44:59,655
Speaker 4: By what you're saying, it doesn't sound like you do,

768
00:45:00,735 --> 00:45:04,575
Speaker 4: so the things that would likely trigger a building consent

769
00:45:04,775 --> 00:45:07,775
Speaker 4: are if, for example, you said, oh, look, i'd really

770
00:45:07,815 --> 00:45:10,655
Speaker 4: like the kitchen window to be a wider, but doesn't

771
00:45:10,695 --> 00:45:14,655
Speaker 4: sound like you're doing that where they're installing the pocket door,

772
00:45:15,695 --> 00:45:17,895
Speaker 4: which you mean like a cavity slider.

773
00:45:19,055 --> 00:45:21,335
Speaker 10: Just between my kitchen and my dining room.

774
00:45:21,655 --> 00:45:24,335
Speaker 4: Okay, So what you would want the builder to be

775
00:45:24,335 --> 00:45:26,335
Speaker 4: able to tell you is whether or not the wall

776
00:45:26,455 --> 00:45:27,255
Speaker 4: is load bearing.

777
00:45:28,895 --> 00:45:31,135
Speaker 6: It's not. Okay, it's all right.

778
00:45:31,175 --> 00:45:33,615
Speaker 4: So if it's not load bearing, then open, you know,

779
00:45:33,735 --> 00:45:36,415
Speaker 4: creating a bigger opening, because obviously a door will have

780
00:45:36,455 --> 00:45:39,815
Speaker 4: an opening of about eight fifty millimeters for a door

781
00:45:39,855 --> 00:45:43,015
Speaker 4: to be installed in there, well, that's what's there already.

782
00:45:43,215 --> 00:45:45,655
Speaker 4: You're going to widen that to about one point five

783
00:45:45,735 --> 00:45:49,055
Speaker 4: meters something like that. It'll need a lintel for the span.

784
00:45:49,295 --> 00:45:52,055
Speaker 4: But because it's not load bearing, doesn't trigger a requirement

785
00:45:52,055 --> 00:45:55,215
Speaker 4: for a building consent. So no, I think you can

786
00:45:55,215 --> 00:45:57,655
Speaker 4: do all of that work without a consent. What I

787
00:45:57,775 --> 00:46:01,695
Speaker 4: would suggest, and what gives real surety to you know,

788
00:46:01,895 --> 00:46:04,055
Speaker 4: maybe someone who's looking at the property in the future

789
00:46:04,575 --> 00:46:08,855
Speaker 4: is take sometographs, put them into a file. And even

790
00:46:09,015 --> 00:46:12,735
Speaker 4: though the various contractors don't necessity. It's not necessary. It's

791
00:46:12,815 --> 00:46:15,015
Speaker 4: not restricted building work, so they don't have to give

792
00:46:15,055 --> 00:46:18,415
Speaker 4: you a record of works. You could just ask for

793
00:46:18,575 --> 00:46:21,815
Speaker 4: a brief description. So for example, the electrician will come,

794
00:46:22,255 --> 00:46:25,295
Speaker 4: I presume to fit new appliances. They will give you

795
00:46:25,375 --> 00:46:28,015
Speaker 4: a coc at the end of the job. Keep that.

796
00:46:29,055 --> 00:46:31,095
Speaker 4: If the plumber is coming to do some work, you

797
00:46:31,175 --> 00:46:33,295
Speaker 4: might just say, look, could you give me a producer

798
00:46:33,335 --> 00:46:37,375
Speaker 4: statement for the plumbing work that you've done. If the

799
00:46:37,415 --> 00:46:40,215
Speaker 4: builders replacing some plaster board, you know, it might be

800
00:46:40,295 --> 00:46:43,415
Speaker 4: good opportunity to add some insulation. Oh no, actually, don't

801
00:46:43,455 --> 00:46:46,815
Speaker 4: add insulation because you do need a building consent for that. Nuts,

802
00:46:47,015 --> 00:46:48,215
Speaker 4: but that's the rules.

803
00:46:49,775 --> 00:46:49,935
Speaker 6: You know.

804
00:46:50,055 --> 00:46:52,095
Speaker 4: Maybe the builder at the end of the job, along

805
00:46:52,135 --> 00:46:55,135
Speaker 4: with their invoice, gives you a brief record of works

806
00:46:55,175 --> 00:46:56,895
Speaker 4: and you just keep all of that in a file.

807
00:46:57,295 --> 00:46:59,175
Speaker 4: And then if someone says, oh, it's a new kitchen,

808
00:46:59,255 --> 00:47:01,535
Speaker 4: you can go, yeah, it's a new kitchen, and here's

809
00:47:01,535 --> 00:47:04,535
Speaker 4: some documentation to say that it was done in accordance

810
00:47:04,575 --> 00:47:06,815
Speaker 4: to the building code, even if it didn't need a consent.

811
00:47:08,375 --> 00:47:10,575
Speaker 10: It's just one other thing. I was reading through their

812
00:47:10,655 --> 00:47:14,055
Speaker 10: contract and they actually want me to pay for the

813
00:47:14,255 --> 00:47:18,495
Speaker 10: excess on on this on the insurance claim, which is

814
00:47:18,575 --> 00:47:19,575
Speaker 10: kind of weird, isn't it.

815
00:47:20,735 --> 00:47:27,135
Speaker 4: That's interesting? Just unpack that for me. So the contractor

816
00:47:27,975 --> 00:47:32,055
Speaker 4: is this in the kitchen and the builder okay, so

817
00:47:32,135 --> 00:47:37,175
Speaker 4: the builder has insurance m hm. And but in the

818
00:47:37,735 --> 00:47:40,495
Speaker 4: now do they want you to pay the excess now

819
00:47:40,935 --> 00:47:44,695
Speaker 4: or do they want claim? Okay?

820
00:47:44,695 --> 00:47:46,335
Speaker 6: And what's happens?

821
00:47:46,895 --> 00:47:49,415
Speaker 10: I don't know that yet. I just am about to

822
00:47:49,495 --> 00:47:53,655
Speaker 10: send them. I only got the contract stuff on Friday,

823
00:47:53,735 --> 00:47:56,095
Speaker 10: so I'm about to send them an email and ask

824
00:47:56,135 --> 00:47:58,295
Speaker 10: them about that, because I think it's unusual.

825
00:48:00,255 --> 00:48:02,935
Speaker 4: I agree, I've never heard it before. But at the

826
00:48:03,015 --> 00:48:05,695
Speaker 4: same time, and I have to say, I'm kind of

827
00:48:05,775 --> 00:48:09,655
Speaker 4: into my about it. One great that they've got insurance,

828
00:48:09,775 --> 00:48:15,535
Speaker 4: right because right now you don't necessarily have to have insurance.

829
00:48:15,535 --> 00:48:18,455
Speaker 4: So the fact that they do have it, and ideally

830
00:48:18,495 --> 00:48:20,895
Speaker 4: they will, they would prove that they had it by

831
00:48:20,975 --> 00:48:26,095
Speaker 4: sending you a copy of their insurance certificate. See, that

832
00:48:26,135 --> 00:48:29,575
Speaker 4: would be something I'd ask, Okay, if you've got insurance,

833
00:48:29,655 --> 00:48:31,295
Speaker 4: just prove it right, and it should be easy for

834
00:48:31,375 --> 00:48:35,815
Speaker 4: them to prove here's my insurance certificate and then ask

835
00:48:35,935 --> 00:48:38,215
Speaker 4: what the excess is.

836
00:48:39,255 --> 00:48:42,215
Speaker 10: Yes, I was thinking that the excess was more than

837
00:48:42,375 --> 00:48:44,895
Speaker 10: actually the work was required. Oh no, you don't know

838
00:48:44,935 --> 00:48:45,775
Speaker 10: what the existence.

839
00:48:45,895 --> 00:48:50,575
Speaker 4: No you wouldn't, but i'll tell you where where I'm

840
00:48:50,615 --> 00:48:55,215
Speaker 4: slightly I'm sitting on the fence about it. In a sense,

841
00:48:55,255 --> 00:49:03,695
Speaker 4: I'm really delighted that the contractor's got insurance and is

842
00:49:05,375 --> 00:49:07,655
Speaker 4: It doesn't sound like an wow to me. It doesn't

843
00:49:07,695 --> 00:49:12,015
Speaker 4: sound like an unreasonable request, as long as you know,

844
00:49:12,135 --> 00:49:16,055
Speaker 4: like often the premium the excess might be. I don't know,

845
00:49:16,175 --> 00:49:19,975
Speaker 4: maybe for building works it's more than what it might

846
00:49:20,055 --> 00:49:24,335
Speaker 4: be for home insurance. My home insurance, I think my

847
00:49:24,415 --> 00:49:26,575
Speaker 4: excess is five hundred and fifty dollars. I have other

848
00:49:26,575 --> 00:49:29,375
Speaker 4: policies where my excess is much higher. So I think

849
00:49:29,615 --> 00:49:32,215
Speaker 4: ask for a copy of the certificate, ask for an

850
00:49:32,215 --> 00:49:34,415
Speaker 4: indication of what that excess is going to be, and

851
00:49:34,455 --> 00:49:36,615
Speaker 4: then you can make a fully informed decision from there.

852
00:49:37,695 --> 00:49:40,735
Speaker 10: Because I was thinking, you know, a builders excess would

853
00:49:40,775 --> 00:49:41,455
Speaker 10: be much more.

854
00:49:41,335 --> 00:49:43,335
Speaker 4: Than a homemade would I would expect.

855
00:49:43,375 --> 00:49:47,055
Speaker 10: So yeah, yeah, yeah, And I mean the job is

856
00:49:47,055 --> 00:49:51,215
Speaker 10: about twenty k if if the work because it's small kitchen,

857
00:49:51,655 --> 00:49:55,455
Speaker 10: if it was twenty K and I got an excess

858
00:49:55,495 --> 00:49:57,735
Speaker 10: of twenty k that we had.

859
00:49:57,775 --> 00:50:01,975
Speaker 4: Yeah, that's right in this Yeah, look, get the information.

860
00:50:02,295 --> 00:50:04,895
Speaker 4: I just again, part of me is just so delighted

861
00:50:04,895 --> 00:50:07,895
Speaker 4: that that contract isn't. Increasingly are being able to offer

862
00:50:08,015 --> 00:50:11,255
Speaker 4: insurance to their clients, that is, you know, by an

863
00:50:11,295 --> 00:50:15,415
Speaker 4: insurance company rather than buy association. I think it's great,

864
00:50:16,175 --> 00:50:19,255
Speaker 4: but get more information. But it sounds like they're very thorough,

865
00:50:19,255 --> 00:50:20,615
Speaker 4: which is really really good as well.

866
00:50:21,375 --> 00:50:22,815
Speaker 10: Yes, thank you very much.

867
00:50:24,815 --> 00:50:27,495
Speaker 4: I presume you're not getting the new kitchen for Christmas.

868
00:50:28,015 --> 00:50:33,895
Speaker 10: Oh no, it's all enjoy Thank you, Take care.

869
00:50:34,655 --> 00:50:37,495
Speaker 4: How fascinating. That's very interesting. I'll be interested in your

870
00:50:37,495 --> 00:50:38,895
Speaker 4: opinion too on that.

871
00:50:38,895 --> 00:50:39,295
Speaker 6: That is.

872
00:50:41,895 --> 00:50:46,215
Speaker 4: Well, as a contractor, I'll offer I'll include this project

873
00:50:46,255 --> 00:50:49,575
Speaker 4: under my insurances, but you would need to pay the

874
00:50:49,615 --> 00:50:56,335
Speaker 4: excess in the event that we need to make a claim.

875
00:50:56,535 --> 00:50:58,975
Speaker 4: Be interested in your thoughts. Eight hundred eighty ten eighty

876
00:50:58,975 --> 00:51:01,615
Speaker 4: the number to cour We'll look at talking with Mark

877
00:51:01,695 --> 00:51:04,095
Speaker 4: after the break, and a bunch of interesting texts that

878
00:51:04,095 --> 00:51:07,055
Speaker 4: have come through as well. Eight hundred eighty ten eighty

879
00:51:07,095 --> 00:51:11,695
Speaker 4: the number to call right now. You can save sixteen

880
00:51:11,815 --> 00:51:15,455
Speaker 4: percent when you buy a gold plus solar bundle from

881
00:51:15,695 --> 00:51:19,055
Speaker 4: Lightforce Solar. That's a saving of four and a half grand.

882
00:51:19,255 --> 00:51:22,015
Speaker 4: With this offer, you get a package that's enough to

883
00:51:22,135 --> 00:51:26,535
Speaker 4: fully power a mid sized home. You get a premium

884
00:51:26,695 --> 00:51:31,335
Speaker 4: sixteen panel system complete with Synergy products including a powerful

885
00:51:31,415 --> 00:51:35,495
Speaker 4: eight kilowatt hour battery, the inverter, the energy gateway and

886
00:51:35,695 --> 00:51:39,935
Speaker 4: the power sensor with full installation included. Plus you earn

887
00:51:40,015 --> 00:51:44,615
Speaker 4: two times airpoints dollars. The price just twenty three four

888
00:51:44,855 --> 00:51:47,775
Speaker 4: nine nine, So twenty three four nine to nine for

889
00:51:48,135 --> 00:51:52,015
Speaker 4: this set up. Light Force Solars expert installation team and

890
00:51:52,135 --> 00:51:55,095
Speaker 4: high quality products will make sure they're with you every

891
00:51:55,175 --> 00:51:57,295
Speaker 4: step of the way so you can get on with

892
00:51:57,415 --> 00:52:02,615
Speaker 4: slashing your electricity bills from day one. Lightface Solar, proudly

893
00:52:02,735 --> 00:52:05,695
Speaker 4: New Zealand owned and operated, has you covered with a

894
00:52:05,735 --> 00:52:10,615
Speaker 4: ten year workmanship warranty, twenty five year panel warranty and

895
00:52:10,655 --> 00:52:14,895
Speaker 4: a ten year battery warranty. So head to Lightforcesolar dot

896
00:52:14,935 --> 00:52:18,855
Speaker 4: co dot nz to find out more. TSNCY Supply news

897
00:52:18,975 --> 00:52:22,295
Speaker 4: talk ZB yeahr news talk ZB. We're taking your calls

898
00:52:22,375 --> 00:52:28,255
Speaker 4: on all things building and construction. Pete. I disagree, peet.

899
00:52:28,415 --> 00:52:30,815
Speaker 4: If the contractor has to make a claim for the failure,

900
00:52:30,855 --> 00:52:33,495
Speaker 4: it's because he she has made a mistake. They should

901
00:52:33,535 --> 00:52:35,735
Speaker 4: own it and pay the excess, assuming the client has

902
00:52:35,775 --> 00:52:39,615
Speaker 4: already paid for the job. Regards from Jay, I get

903
00:52:39,655 --> 00:52:40,415
Speaker 4: where you're coming from.

904
00:52:40,495 --> 00:52:40,695
Speaker 6: Jay.

905
00:52:40,935 --> 00:52:50,895
Speaker 4: I'm there's something about sort of I mean, what would happen.

906
00:52:51,015 --> 00:52:53,415
Speaker 4: I'm just thinking about Linda and her comments about the

907
00:52:53,455 --> 00:52:57,495
Speaker 4: contract offering insurance for the works of this builder, who's

908
00:52:57,535 --> 00:53:00,655
Speaker 4: going to be coordinating the installation of the kitchen, doing

909
00:53:00,695 --> 00:53:04,295
Speaker 4: any work that's required, the enabling work, let's say, to

910
00:53:04,375 --> 00:53:07,055
Speaker 4: do it, and then saying, look, I've gotten themsurance policy

911
00:53:07,255 --> 00:53:10,135
Speaker 4: and if you accept the excess, then well will include

912
00:53:10,135 --> 00:53:12,535
Speaker 4: you in the insurance policy. If not, I don't know

913
00:53:12,575 --> 00:53:18,055
Speaker 4: what would happen if they wouldn't. I'm just delighted that

914
00:53:18,095 --> 00:53:21,015
Speaker 4: they've got one. And that's what's inclining me to say,

915
00:53:21,615 --> 00:53:24,215
Speaker 4: you know what, if it's reasonable, would you take that risk?

916
00:53:24,935 --> 00:53:27,335
Speaker 4: Eight hundred eight take your calls on this. Eight hundred

917
00:53:27,415 --> 00:53:31,095
Speaker 4: eighty ten eighty is the number to call, righty oh, Mark,

918
00:53:31,175 --> 00:53:33,295
Speaker 4: A very good morning to you. How are you this morning?

919
00:53:34,015 --> 00:53:38,335
Speaker 6: Yeah, good tanks, season's greetings and to you. Now. I'm

920
00:53:38,375 --> 00:53:41,255
Speaker 6: doing a little job on my daughter's shower where she

921
00:53:41,455 --> 00:53:44,535
Speaker 6: has a shower of the bath attached to the bar.

922
00:53:44,695 --> 00:53:48,815
Speaker 6: There is a panel off which the garass stoor hinges. Yes,

923
00:53:49,735 --> 00:53:52,775
Speaker 6: it's probably fifteen years old. A silicone has let go

924
00:53:52,975 --> 00:53:56,735
Speaker 6: where the panel attaches to the top of the bar.

925
00:53:56,975 --> 00:53:59,215
Speaker 6: It's got a little bit of sideways pressure on it,

926
00:53:59,335 --> 00:54:02,575
Speaker 6: not a lot. I've been to the local hardware store

927
00:54:02,655 --> 00:54:05,655
Speaker 6: and had a look at your silicones. There's such a range.

928
00:54:05,815 --> 00:54:09,015
Speaker 6: But what I've want some advice on is the best

929
00:54:09,455 --> 00:54:10,935
Speaker 6: silicone adhesive.

930
00:54:12,335 --> 00:54:18,095
Speaker 4: Yes, because they yeah, you can get adhesive, so you

931
00:54:18,135 --> 00:54:21,055
Speaker 4: can get silicons, and then you can get some sealants

932
00:54:21,095 --> 00:54:22,375
Speaker 4: which are also adhesive.

933
00:54:23,175 --> 00:54:28,095
Speaker 6: That's what I'm looking for. That's what you recommend.

934
00:54:30,855 --> 00:54:35,935
Speaker 4: And this is to reseal the shower lining or to

935
00:54:36,215 --> 00:54:39,615
Speaker 4: bond that extrusion to the wall.

936
00:54:40,295 --> 00:54:43,975
Speaker 6: It's got a glass panel. The wall has no problems here,

937
00:54:44,015 --> 00:54:46,775
Speaker 6: it's just where it attaches to the top of the bath.

938
00:54:47,375 --> 00:54:51,095
Speaker 6: It's got a chrome, yes, a little walnut, and the

939
00:54:51,255 --> 00:54:56,815
Speaker 6: chrome sits on the bath yep, just ceiling that and mature.

940
00:54:57,975 --> 00:55:01,495
Speaker 4: But that that extrusion that sits on the bath lip

941
00:55:01,855 --> 00:55:03,855
Speaker 4: that doesn't need adhesion.

942
00:55:05,655 --> 00:55:09,495
Speaker 6: At the moment. It's got some sorder sell a cone

943
00:55:09,535 --> 00:55:13,415
Speaker 6: on it, yes, and I'm just looking to replace that.

944
00:55:13,655 --> 00:55:18,015
Speaker 6: But it obviously blues it as well.

945
00:55:18,135 --> 00:55:22,015
Speaker 4: But when you replace the sealant, you're not necessarily going

946
00:55:22,055 --> 00:55:26,615
Speaker 4: to be ceiling that junction between the bath and the

947
00:55:26,735 --> 00:55:30,015
Speaker 4: extrusion because that's staying in place. So you've removed the

948
00:55:30,055 --> 00:55:31,375
Speaker 4: showers screen completely.

949
00:55:32,255 --> 00:55:35,575
Speaker 6: I just want to replace the sealant adhesions.

950
00:55:35,295 --> 00:55:40,015
Speaker 4: That you can see, so you're not removing the shower screen. No, no, no, okay,

951
00:55:40,295 --> 00:55:43,615
Speaker 4: then I would be quite comfortable saying, look, just get

952
00:55:43,935 --> 00:55:48,855
Speaker 4: a good quality bathroom sealent product. You don't necessarily need

953
00:55:48,895 --> 00:55:51,295
Speaker 4: to worry too much about the adhesion because it's not

954
00:55:51,455 --> 00:55:56,615
Speaker 4: doing that. They tend to perform a little differently in

955
00:55:56,695 --> 00:56:00,175
Speaker 4: the sense that, from my experience, the ones that have

956
00:56:00,255 --> 00:56:02,815
Speaker 4: a sealant in them might not be as easy to

957
00:56:02,975 --> 00:56:08,455
Speaker 4: strike off and smooth out. So a good quality bathroom sealant,

958
00:56:08,535 --> 00:56:11,415
Speaker 4: so it'll it'll specify the fact that it's for bathrooms

959
00:56:11,415 --> 00:56:14,255
Speaker 4: and wet areas. Ideally there should be there are some

960
00:56:14,335 --> 00:56:18,655
Speaker 4: out there that have mold inhibitors included in them. That

961
00:56:18,695 --> 00:56:21,335
Speaker 4: would be an advantage, is it? And I presume it's

962
00:56:21,455 --> 00:56:23,015
Speaker 4: okay just to go white.

963
00:56:23,735 --> 00:56:26,455
Speaker 6: Yeah, well yeah, yep, just white.

964
00:56:27,375 --> 00:56:30,415
Speaker 4: And then do you have a particular technique for striking

965
00:56:30,455 --> 00:56:32,295
Speaker 4: off the sealant.

966
00:56:33,415 --> 00:56:35,655
Speaker 6: I've done a bit of stuff like that in the past,

967
00:56:35,655 --> 00:56:37,175
Speaker 6: but not for a few years. I've got one of

968
00:56:37,215 --> 00:56:40,815
Speaker 6: those little tools for taking out though yep, the.

969
00:56:40,855 --> 00:56:46,975
Speaker 4: Old yes, because there's quite a lot of discussion, you know,

970
00:56:47,055 --> 00:56:51,335
Speaker 4: like typically for a long time, the approved applicated tool

971
00:56:51,495 --> 00:56:54,455
Speaker 4: was your finger, right, and so you tended to sort

972
00:56:54,455 --> 00:56:56,975
Speaker 4: of moisten your finger generally by kind of spinning on

973
00:56:57,015 --> 00:56:59,695
Speaker 4: it and then just using that to strike off the sealant.

974
00:56:59,975 --> 00:57:03,415
Speaker 4: That's not a good way of doing it, so I

975
00:57:03,495 --> 00:57:06,735
Speaker 4: have to say, and I know plenty of got that

976
00:57:06,815 --> 00:57:10,295
Speaker 4: do their ceilant and they don't mask up either side,

977
00:57:10,535 --> 00:57:13,055
Speaker 4: and they've just got a little tool. You can buy

978
00:57:13,055 --> 00:57:17,255
Speaker 4: them in packs. They're like a little yellow actually silicon

979
00:57:17,615 --> 00:57:21,535
Speaker 4: pad with different radiuses on them. So they're pretty cheap,

980
00:57:21,615 --> 00:57:24,895
Speaker 4: to be fair. And I've got a I bought a pack,

981
00:57:24,935 --> 00:57:27,415
Speaker 4: and I've got a couple sitting in my toolbox and

982
00:57:27,455 --> 00:57:28,735
Speaker 4: a couple in the back of the ute, and that

983
00:57:28,775 --> 00:57:32,495
Speaker 4: sort of thing. So that when you so you apply

984
00:57:32,615 --> 00:57:36,415
Speaker 4: the sealant, then use a little bit of detergent, just

985
00:57:36,455 --> 00:57:40,335
Speaker 4: household detergent, diluted down so maybe one percent in a

986
00:57:40,495 --> 00:57:43,215
Speaker 4: in a little spray bottle, and then spray over the

987
00:57:43,255 --> 00:57:45,775
Speaker 4: top of it, and then use these little tools to

988
00:57:45,935 --> 00:57:48,295
Speaker 4: strike it off and you'll get a really neat finish

989
00:57:48,615 --> 00:57:54,735
Speaker 4: without introducing bacteria into it by having a wet finger basically,

990
00:57:55,375 --> 00:57:59,495
Speaker 4: So yeah, and if you're a bit unsure about it,

991
00:57:59,535 --> 00:58:02,455
Speaker 4: and I still in many cases, like I siliconed a

992
00:58:02,575 --> 00:58:05,735
Speaker 4: junction between a bench top and the tiles, for example,

993
00:58:05,735 --> 00:58:08,375
Speaker 4: a little while go, I will just I will still

994
00:58:08,495 --> 00:58:11,935
Speaker 4: mask off, and that gives me a nice clean line,

995
00:58:12,695 --> 00:58:15,415
Speaker 4: you know, put this, do the masking, put the ceilant in,

996
00:58:16,255 --> 00:58:20,455
Speaker 4: strike it off, and then peel the masking tape off

997
00:58:20,495 --> 00:58:23,415
Speaker 4: and you get a really nice clean line that way.

998
00:58:23,535 --> 00:58:28,535
Speaker 6: So when you look at the variety of available, would

999
00:58:28,535 --> 00:58:30,095
Speaker 6: you recommend one above the others?

1000
00:58:31,655 --> 00:58:31,895
Speaker 8: Can you?

1001
00:58:32,415 --> 00:58:36,695
Speaker 4: Certainly? For look, I know that sud al So s

1002
00:58:36,815 --> 00:58:41,175
Speaker 4: O U D A L. Is a brand that I've

1003
00:58:41,255 --> 00:58:44,815
Speaker 4: used for a long time. Sudle's very good. Gorilla gripper

1004
00:58:44,855 --> 00:58:47,255
Speaker 4: is part of that as well, So Gorilla does some sealants.

1005
00:58:47,895 --> 00:58:49,775
Speaker 4: If you went with either of those two, I'd be

1006
00:58:49,895 --> 00:58:54,055
Speaker 4: very happy. All right, all the very best, Okay, you

1007
00:58:54,135 --> 00:58:57,375
Speaker 4: take care, thanks Mark, and good luck with that. And again,

1008
00:58:57,415 --> 00:59:00,055
Speaker 4: it sounds like one of those ones where it's Dad

1009
00:59:00,095 --> 00:59:02,375
Speaker 4: coming in to help out again, which is awesome. Oh,

1010
00:59:02,375 --> 00:59:09,015
Speaker 4: eight one hundred eighty ten eighty is the number to call.

1011
00:59:05,295 --> 00:59:12,175
Speaker 4: M texts quite a few texts on this whole insurance thing.

1012
00:59:12,735 --> 00:59:16,295
Speaker 4: Quite genuinely, I've never heard of that sort of offer.

1013
00:59:16,375 --> 00:59:18,295
Speaker 4: So just to refresh if you just joined the program

1014
00:59:18,815 --> 00:59:20,975
Speaker 4: after the news, we were talking with Linda who's about

1015
00:59:21,055 --> 00:59:26,295
Speaker 4: to do a basically a new kitchen, so small remodeling

1016
00:59:26,455 --> 00:59:30,535
Speaker 4: of the kitchen area, taking out a door or opening

1017
00:59:30,615 --> 00:59:32,655
Speaker 4: up and opening to put in a pocket slider or

1018
00:59:32,655 --> 00:59:37,015
Speaker 4: a cavity slider, stripping off some lining, replacing the lining,

1019
00:59:37,175 --> 00:59:39,615
Speaker 4: and then having the new kitchen involved. So there's the

1020
00:59:39,775 --> 00:59:42,855
Speaker 4: kitchen installer, there's the plumber, there's the electrician, and there's

1021
00:59:42,895 --> 00:59:46,655
Speaker 4: the main contractor who is the builder. And the builder

1022
00:59:46,655 --> 00:59:49,735
Speaker 4: has said, look, I can offer you insurance or include

1023
00:59:49,775 --> 00:59:52,655
Speaker 4: you in my insurance policy for this, but you have

1024
00:59:52,695 --> 00:59:55,295
Speaker 4: to agree to pay the excess in the event that

1025
00:59:55,375 --> 00:59:58,735
Speaker 4: I need to make a claim. Is that reasonable or not?

1026
00:59:59,055 --> 01:00:01,135
Speaker 4: Your thoughts? Eight hundred and eighty ten eighty is the

1027
01:00:01,255 --> 01:00:03,335
Speaker 4: number to call Pete. I've had building work done and

1028
01:00:03,375 --> 01:00:06,015
Speaker 4: being charged for the insurance. So the builder will make

1029
01:00:06,015 --> 01:00:08,575
Speaker 4: a p on what he pays on an annual basis,

1030
01:00:08,615 --> 01:00:12,215
Speaker 4: so this profit will pay for any excess. That's another

1031
01:00:12,255 --> 01:00:14,735
Speaker 4: way of doing it is that maybe in the quote

1032
01:00:14,815 --> 01:00:19,575
Speaker 4: the builder notes down along with you know, his time, materials,

1033
01:00:20,135 --> 01:00:24,735
Speaker 4: potentially overhead margin, and this is what my insurance costs

1034
01:00:24,775 --> 01:00:27,055
Speaker 4: me per year. And I mean you could do this,

1035
01:00:27,055 --> 01:00:30,095
Speaker 4: couldn't you? Isn't it? As a contractor? You go, okay,

1036
01:00:30,135 --> 01:00:34,215
Speaker 4: So my insurance fees are ten thousand dollars a year, right,

1037
01:00:34,415 --> 01:00:38,615
Speaker 4: that probably wouldn't be unrealistic for comprehensive insurance. Let's act

1038
01:00:38,695 --> 01:00:41,575
Speaker 4: ten thousand dollars. That gives me cover up to a

1039
01:00:41,655 --> 01:00:47,855
Speaker 4: million dollars for public liability or contract works insurance. At

1040
01:00:47,895 --> 01:00:53,175
Speaker 4: ten thousand dollars, that's about two hundred dollars a week.

1041
01:00:53,735 --> 01:00:56,375
Speaker 4: We're on the job for two weeks, So I'm going

1042
01:00:56,415 --> 01:01:00,175
Speaker 4: to charge you four hundred dollars extra on the cost

1043
01:01:00,215 --> 01:01:02,855
Speaker 4: of the job because I've got insurance. And by the way,

1044
01:01:02,895 --> 01:01:05,015
Speaker 4: he's my insurance certificate, so you can see that I

1045
01:01:05,095 --> 01:01:08,975
Speaker 4: actually do have insurance. Is that reasonable?

1046
01:01:09,015 --> 01:01:09,135
Speaker 11: Oh?

1047
01:01:09,135 --> 01:01:11,135
Speaker 4: Eight hundred and eighty ten eighty the number to call.

1048
01:01:11,455 --> 01:01:13,015
Speaker 4: A bunch of texts on that will come back and

1049
01:01:13,055 --> 01:01:15,615
Speaker 4: have a look. I agree with the insurance excess if

1050
01:01:15,655 --> 01:01:18,735
Speaker 4: it covers the unforeseen additional cost ie to fix a

1051
01:01:18,815 --> 01:01:21,215
Speaker 4: house corner, you might find you have to replace the

1052
01:01:21,215 --> 01:01:23,615
Speaker 4: whole of the exterior wall, fix the ceiling in a bath,

1053
01:01:23,615 --> 01:01:26,255
Speaker 4: but you have to replace the rotten floor. Now that

1054
01:01:26,295 --> 01:01:32,975
Speaker 4: would be a can of worms, wouldn't it. Pete, You

1055
01:01:32,975 --> 01:01:35,375
Speaker 4: shouldn't let a builder anywhere near your house if he

1056
01:01:35,415 --> 01:01:38,015
Speaker 4: doesn't have an insurance policy covering at least all risk

1057
01:01:38,095 --> 01:01:41,375
Speaker 4: if he doesn't. If he doesn't it causes damage or

1058
01:01:41,415 --> 01:01:44,615
Speaker 4: loss to your own property. It may not cover what

1059
01:01:44,815 --> 01:01:47,575
Speaker 4: if he caused a fire. Congratulations a builder for actually

1060
01:01:47,655 --> 01:01:51,135
Speaker 4: having insurance. It's somewhat mind blowing. The fact that we're

1061
01:01:51,175 --> 01:01:54,735
Speaker 4: even thinking like that is it indicates where we're at. Yeah,

1062
01:01:54,895 --> 01:01:57,415
Speaker 4: I agree. I think it's great that they have more

1063
01:01:57,455 --> 01:02:01,535
Speaker 4: and more contractors are embracing the insurance and it's a

1064
01:02:01,575 --> 01:02:04,455
Speaker 4: cost to the business and that's got to be passed

1065
01:02:04,455 --> 01:02:06,055
Speaker 4: on to the client. So that's got to be a

1066
01:02:06,055 --> 01:02:09,175
Speaker 4: fair an equitable way of doing exactly that. Brett, thank

1067
01:02:09,215 --> 01:02:12,015
Speaker 4: you very much for your call. Eight hundred eighty ten

1068
01:02:12,135 --> 01:02:14,975
Speaker 4: eighty is the number to call. Eight hundred eighty ten

1069
01:02:15,015 --> 01:02:17,215
Speaker 4: eighty nine two nine two. You obviously know the text

1070
01:02:17,295 --> 01:02:19,495
Speaker 4: number because we get in some really good texts. So

1071
01:02:19,655 --> 01:02:21,495
Speaker 4: nine two nine two, and if you'd like to email me,

1072
01:02:21,535 --> 01:02:25,695
Speaker 4: it's Pete Atnewstalk SB dot co dot n Z seven

1073
01:02:25,695 --> 01:02:28,295
Speaker 4: point thirty two will take your calls. Eight hundred eighty

1074
01:02:28,295 --> 01:02:31,375
Speaker 4: ten eighty the number your new stalks, he'db we're talking

1075
01:02:31,535 --> 01:02:34,775
Speaker 4: all things building and construction, and I guess the stuff

1076
01:02:34,815 --> 01:02:38,535
Speaker 4: that goes along with the building in construction as well.

1077
01:02:38,615 --> 01:02:41,575
Speaker 4: So if you've got a question or a comment that

1078
01:02:41,615 --> 01:02:44,295
Speaker 4: you'd like to add to that, the lines are open

1079
01:02:44,335 --> 01:02:47,455
Speaker 4: and the number to call is eight hundred eighty ten eighty.

1080
01:02:47,695 --> 01:02:49,655
Speaker 4: Now this is fair. I mean, I'm getting a lot

1081
01:02:49,695 --> 01:02:53,255
Speaker 4: of texts on this. It's it's fascinating. Where this conversation

1082
01:02:53,375 --> 01:02:57,055
Speaker 4: started from. Was Linda who call talking about a bath

1083
01:02:57,135 --> 01:03:00,855
Speaker 4: a kitchen renovation that she's about to do. The main

1084
01:03:00,975 --> 01:03:04,255
Speaker 4: contractor in this case of the builder has said, look,

1085
01:03:04,295 --> 01:03:08,455
Speaker 4: I can include you in the insurance. So I have insurance.

1086
01:03:09,055 --> 01:03:11,775
Speaker 4: I can nominate you, I presume in the insurance policy,

1087
01:03:12,375 --> 01:03:15,215
Speaker 4: but you have to agree to pay the excess. Now

1088
01:03:15,215 --> 01:03:17,375
Speaker 4: at the stage, we don't know what that figure is,

1089
01:03:17,415 --> 01:03:20,295
Speaker 4: whether it's five hundred dollars or five thousand dollars and

1090
01:03:20,335 --> 01:03:22,935
Speaker 4: that would obviously make a difference. So in the event

1091
01:03:23,015 --> 01:03:26,695
Speaker 4: that there is some sort of failure with the job,

1092
01:03:27,975 --> 01:03:31,855
Speaker 4: it could the cost of remediation would be covered by insurance.

1093
01:03:33,055 --> 01:03:39,695
Speaker 4: And the builder is saying to the client, I'll do

1094
01:03:39,815 --> 01:03:41,855
Speaker 4: that if you agree to pay the excess. Now it

1095
01:03:41,895 --> 01:03:44,095
Speaker 4: would be useful to know what the excess is, obviously,

1096
01:03:44,135 --> 01:03:46,295
Speaker 4: but anyway, I've had a bunch of texts on this.

1097
01:03:47,255 --> 01:03:52,335
Speaker 4: M pete no way referring to the insurance fee reduce

1098
01:03:52,415 --> 01:03:54,975
Speaker 4: their hourly rate if they suggest their customer pays for

1099
01:03:55,015 --> 01:04:01,575
Speaker 4: their insurance. I mean, you've got to cover these costs somewhere.

1100
01:04:01,655 --> 01:04:04,015
Speaker 4: In fact, I saw an invoice from a contractor the

1101
01:04:04,055 --> 01:04:09,015
Speaker 4: other day that had, you know, essentially labor materials, and

1102
01:04:09,575 --> 01:04:12,415
Speaker 4: they attached a copy of all of the invoices for

1103
01:04:12,455 --> 01:04:14,855
Speaker 4: the material so you could actually see that they had

1104
01:04:14,935 --> 01:04:17,615
Speaker 4: been purchased and for that job, which I think is

1105
01:04:17,655 --> 01:04:22,695
Speaker 4: good and transparent. And then it was they'd been open

1106
01:04:22,735 --> 01:04:25,175
Speaker 4: about what their margin is, so they added their margin

1107
01:04:25,295 --> 01:04:29,215
Speaker 4: to the cost of materials, and then included as a

1108
01:04:29,255 --> 01:04:33,615
Speaker 4: fixed fee was essentially administration fee that was added to

1109
01:04:33,655 --> 01:04:37,055
Speaker 4: the cost of the invoice as well, just reflecting the

1110
01:04:37,055 --> 01:04:40,255
Speaker 4: fact that there's work that's done off site that relates

1111
01:04:40,255 --> 01:04:43,855
Speaker 4: to the project hasn't been charged out as an hourly rate.

1112
01:04:44,095 --> 01:04:47,655
Speaker 4: So you know, a contract is not charging for being

1113
01:04:47,695 --> 01:04:50,615
Speaker 4: at home doing the paperwork. There's just a fixed fee

1114
01:04:51,455 --> 01:04:53,295
Speaker 4: that was included in that, which is kind of an

1115
01:04:53,295 --> 01:04:57,655
Speaker 4: interesting way of doing it as well. So in this case,

1116
01:04:57,735 --> 01:04:59,895
Speaker 4: this texture is saying, no way that you should be

1117
01:04:59,975 --> 01:05:05,575
Speaker 4: charging for the insurance. It should be included in the

1118
01:05:05,615 --> 01:05:09,375
Speaker 4: hourly rate. But then the problem becomes, let's say you

1119
01:05:09,455 --> 01:05:13,255
Speaker 4: do that, right, so your hourly rate includes insurance, and

1120
01:05:13,375 --> 01:05:17,255
Speaker 4: someone you submit a quote. Someone looks at your hourly rate,

1121
01:05:17,335 --> 01:05:19,535
Speaker 4: which might be two or three dollars an hour more

1122
01:05:20,535 --> 01:05:22,335
Speaker 4: over the cost of a job, and says, no, I

1123
01:05:22,335 --> 01:05:24,735
Speaker 4: don't want to go with that contractor they're too expensive,

1124
01:05:25,815 --> 01:05:28,055
Speaker 4: not knowing that it includes the insurance. So that's the

1125
01:05:28,055 --> 01:05:30,375
Speaker 4: problem with including it in your hourly rate. I would

1126
01:05:30,495 --> 01:05:34,815
Speaker 4: argue customer playing for poor workmanship. You're kidding, what about trade,

1127
01:05:34,935 --> 01:05:38,055
Speaker 4: standing up and taking some responsibility. I don't think that's

1128
01:05:38,095 --> 01:05:41,375
Speaker 4: the intention of it. I think that it recognizes that

1129
01:05:41,535 --> 01:05:44,055
Speaker 4: every now and then things can go wrong. That's why

1130
01:05:44,095 --> 01:05:47,975
Speaker 4: we have insurance, right. I don't think it's paying for

1131
01:05:48,095 --> 01:05:51,775
Speaker 4: poor workmanship. I don't think the contractor intends to do

1132
01:05:51,815 --> 01:05:55,255
Speaker 4: a poor job because they figure that well, look, when

1133
01:05:55,295 --> 01:06:00,335
Speaker 4: it all goes to goes ballly up, my insurer will

1134
01:06:00,335 --> 01:06:02,575
Speaker 4: come in. They'll find that they won't get insurance. So

1135
01:06:02,575 --> 01:06:05,055
Speaker 4: I don't think that's the right end of the stick. Pete,

1136
01:06:05,095 --> 01:06:08,495
Speaker 4: you're hourly, here we go. Your hourly rate should include

1137
01:06:08,495 --> 01:06:10,855
Speaker 4: all of the overheads. The insurance should not be added

1138
01:06:10,895 --> 01:06:12,655
Speaker 4: as an extra. That sounds like a rip off to me,

1139
01:06:12,775 --> 01:06:16,255
Speaker 4: double dipping just to wind up your profit or not. See,

1140
01:06:16,575 --> 01:06:20,455
Speaker 4: I'm not convinced. Oh eight hundred eighty is that. I'm

1141
01:06:20,455 --> 01:06:21,975
Speaker 4: going to call Tom your thoughts on.

1142
01:06:21,855 --> 01:06:30,575
Speaker 9: This good morning sir. I know I've got an I'm

1143
01:06:30,575 --> 01:06:31,975
Speaker 9: trying to make it clean fist of us.

1144
01:06:32,055 --> 01:06:34,535
Speaker 4: But yeah, I know these things get a bit complicated.

1145
01:06:34,695 --> 01:06:39,855
Speaker 9: Yeah, yeah, okay, insurance. Look, I built my house sixty

1146
01:06:39,855 --> 01:06:43,655
Speaker 9: three years ago and only had one claim for tree

1147
01:06:43,695 --> 01:06:46,375
Speaker 9: falling over from the state. Yes, and that was an

1148
01:06:46,375 --> 01:06:48,655
Speaker 9: act of God when the semester house and its door

1149
01:06:48,855 --> 01:06:51,695
Speaker 9: a little bit and the car that was there. But

1150
01:06:53,695 --> 01:06:59,415
Speaker 9: they for my annual renewal, they sent me sixty pages, yes,

1151
01:06:59,455 --> 01:07:01,295
Speaker 9: and a lot of and a lot of the things

1152
01:07:01,335 --> 01:07:04,575
Speaker 9: I didn't see when I had an unusual claim for

1153
01:07:05,415 --> 01:07:11,375
Speaker 9: the hose for the Washington exploding and creating real damage

1154
01:07:11,415 --> 01:07:16,295
Speaker 9: for Parco through the house. But anyway, what I didn't

1155
01:07:16,335 --> 01:07:19,215
Speaker 9: see while we were discussing it was a big rail

1156
01:07:19,255 --> 01:07:23,135
Speaker 9: on that trade tools went and caught included in the

1157
01:07:23,535 --> 01:07:26,815
Speaker 9: house and contents. And I'm wondering what my trade tools

1158
01:07:26,855 --> 01:07:31,175
Speaker 9: are because i haven't been building for twenty years, So

1159
01:07:31,415 --> 01:07:33,895
Speaker 9: I'm wondering where we could go there because they can

1160
01:07:33,935 --> 01:07:39,335
Speaker 9: really dodge. Also, nothing to do with my general building.

1161
01:07:39,375 --> 01:07:46,215
Speaker 9: I had some real good timber which was stolen walnut

1162
01:07:47,695 --> 01:07:48,255
Speaker 9: the oaks and no.

1163
01:07:48,335 --> 01:07:49,375
Speaker 6: Good as bored, but.

1164
01:07:51,095 --> 01:07:53,175
Speaker 9: Toture got quite a bit of total. I managed to

1165
01:07:53,215 --> 01:07:57,775
Speaker 9: get nothing to do with building, which I haven't done

1166
01:07:57,775 --> 01:08:00,215
Speaker 9: for twenty years, So wondering where we'd get there. But

1167
01:08:01,455 --> 01:08:04,455
Speaker 9: they wanted any plan to be made in an in

1168
01:08:04,535 --> 01:08:05,495
Speaker 9: each annual year.

1169
01:08:06,015 --> 01:08:10,975
Speaker 4: So I wonder Tom whether some of this is actually

1170
01:08:11,815 --> 01:08:14,175
Speaker 4: like in terms of you with your insurance getting a

1171
01:08:14,335 --> 01:08:18,615
Speaker 4: sixty page document. So there's been recent changes to how

1172
01:08:18,735 --> 01:08:21,935
Speaker 4: insurance companies kind of interact with their clients in the

1173
01:08:21,975 --> 01:08:26,455
Speaker 4: sense that it was all about sort of disclosure and

1174
01:08:27,255 --> 01:08:30,055
Speaker 4: getting information. So there was a number of assumptions. So

1175
01:08:30,095 --> 01:08:32,895
Speaker 4: I think the response from the insurance company has been

1176
01:08:33,135 --> 01:08:36,215
Speaker 4: now when you're renewing your or getting a new policy,

1177
01:08:36,535 --> 01:08:40,295
Speaker 4: they ask so much more, so many more questions to

1178
01:08:40,455 --> 01:08:44,335
Speaker 4: ensure that they are more fully informed. So assumptions that

1179
01:08:44,375 --> 01:08:47,175
Speaker 4: they used to make they're not making anymore. They're asking

1180
01:08:47,215 --> 01:08:48,895
Speaker 4: you a question. You've got to give them an answer

1181
01:08:48,935 --> 01:08:52,015
Speaker 4: on it. That explained some of the complexity around that.

1182
01:08:52,455 --> 01:08:54,375
Speaker 4: We'll take more calls on this as well. Tom, Thank

1183
01:08:54,415 --> 01:08:57,335
Speaker 4: you very much for that. So this is again people

1184
01:08:57,375 --> 01:09:04,175
Speaker 4: are saying, look, the hourly rate should include the cost

1185
01:09:04,215 --> 01:09:07,855
Speaker 4: of insurance. Your thoughts on this, Oh, eight hundred eighty

1186
01:09:07,935 --> 01:09:11,935
Speaker 4: ten eight peak, nobody will pay my excess, so peak,

1187
01:09:11,975 --> 01:09:15,295
Speaker 4: nobody will pay my excess. Ever so afraid the builder

1188
01:09:15,335 --> 01:09:20,975
Speaker 4: pays his too. Yes, interesting, but that's on your own

1189
01:09:20,975 --> 01:09:23,255
Speaker 4: home insurance. You know, you get to decide what your

1190
01:09:23,295 --> 01:09:25,495
Speaker 4: excess is. I mean, one option is for all of

1191
01:09:25,575 --> 01:09:28,255
Speaker 4: us is if you're a homeowner and you've got insurances,

1192
01:09:28,295 --> 01:09:32,335
Speaker 4: you can save on your premiums by accepting more of

1193
01:09:32,375 --> 01:09:35,495
Speaker 4: the risk. So if you push your excess up, typically

1194
01:09:35,575 --> 01:09:39,575
Speaker 4: your premiums will come down. You may have a thought

1195
01:09:39,575 --> 01:09:41,815
Speaker 4: on that as well. Pete, it gets really tricky. I

1196
01:09:41,855 --> 01:09:45,015
Speaker 4: agree with you the concept, but you shouldn't. But shouldn't

1197
01:09:45,055 --> 01:09:48,015
Speaker 4: your calculations allow for the fact that insurance can be

1198
01:09:48,095 --> 01:09:51,255
Speaker 4: claimed as a tax expense, So it's not that straightforward

1199
01:09:51,335 --> 01:09:58,775
Speaker 4: from Steve, I hadn't thought about the tax side of it. Yes,

1200
01:09:58,815 --> 01:10:01,095
Speaker 4: you can claim the cost of your insurance back, but

1201
01:10:01,215 --> 01:10:05,695
Speaker 4: it's still a cost, right, You've still got to pay it.

1202
01:10:05,695 --> 01:10:09,655
Speaker 4: It's still an overhead for the business. Eight hundred and eighty,

1203
01:10:09,695 --> 01:10:12,775
Speaker 4: ten eighty. We're talking a lot about insurance and a

1204
01:10:12,895 --> 01:10:15,455
Speaker 4: mate has just text me on my own phone who's

1205
01:10:15,495 --> 01:10:18,055
Speaker 4: involved in this and probably has got some opinions as well,

1206
01:10:18,095 --> 01:10:19,455
Speaker 4: So I have a look at that during the break

1207
01:10:19,455 --> 01:10:22,255
Speaker 4: as well. Right, Yeah, we'll come back to Mike straight

1208
01:10:22,255 --> 01:10:24,095
Speaker 4: after the break. Yeah, with the news talks. He it

1209
01:10:24,135 --> 01:10:27,215
Speaker 4: is seven forty three, right, a little bit of an update. So,

1210
01:10:27,615 --> 01:10:30,255
Speaker 4: and this is a vastly We've got on to talking

1211
01:10:30,255 --> 01:10:36,295
Speaker 4: about insurance, which is complicated, right, There's nothing simple about

1212
01:10:36,295 --> 01:10:40,095
Speaker 4: this typically, and I think anyone who's ever made an

1213
01:10:40,135 --> 01:10:42,615
Speaker 4: insurance claim or tried to work through something with their

1214
01:10:42,615 --> 01:10:45,575
Speaker 4: insurance company, it is complex and therefore it can be

1215
01:10:45,775 --> 01:10:49,575
Speaker 4: time consuming, I guess. But I've just we were talking

1216
01:10:49,575 --> 01:10:55,615
Speaker 4: about a situation where someone who phoned the program earlier

1217
01:10:55,655 --> 01:11:00,415
Speaker 4: on just In Quick Summary has they're just at the

1218
01:11:00,495 --> 01:11:03,975
Speaker 4: quoting stage before the work begins, and the builder has

1219
01:11:04,015 --> 01:11:08,335
Speaker 4: said to the homeowner, to the client, you know, I'll

1220
01:11:08,335 --> 01:11:12,015
Speaker 4: manage the installation of the kitchen units, stripping out the

1221
01:11:12,055 --> 01:11:16,055
Speaker 4: old one. Manage the installation, do some patching of plaster

1222
01:11:16,095 --> 01:11:19,415
Speaker 4: borders required, make a change to a wall to allow

1223
01:11:19,455 --> 01:11:22,975
Speaker 4: for a cavity slider. That I have insurance that will

1224
01:11:22,975 --> 01:11:26,375
Speaker 4: cover this, and I will include you in the insurance

1225
01:11:26,495 --> 01:11:29,455
Speaker 4: if you agree to pay the excess. That was the

1226
01:11:29,495 --> 01:11:33,615
Speaker 4: summary of it. So we got talking about that because

1227
01:11:33,655 --> 01:11:37,695
Speaker 4: it is a slightly unusual situation in the sense that

1228
01:11:39,055 --> 01:11:43,175
Speaker 4: two things. One is slightly not all contractors will offer

1229
01:11:43,255 --> 01:11:46,255
Speaker 4: up insurance right or will have insurance. You can do

1230
01:11:46,375 --> 01:11:49,815
Speaker 4: building work without necessarily having insurance, which is nuts. But anyway,

1231
01:11:49,815 --> 01:11:54,655
Speaker 4: that's the case at the moment. And then what type

1232
01:11:54,695 --> 01:11:57,135
Speaker 4: of insurance is and is it reasonable to ask the

1233
01:11:57,175 --> 01:12:00,375
Speaker 4: client to pay the excess? Is that something this person

1234
01:12:00,375 --> 01:12:02,895
Speaker 4: should agree to. Then we got on to talking about, well,

1235
01:12:02,935 --> 01:12:06,215
Speaker 4: should it be added as a separate fee on an invoice,

1236
01:12:06,295 --> 01:12:08,735
Speaker 4: should it be included in hourly rates? How do we

1237
01:12:09,135 --> 01:12:13,335
Speaker 4: get some transparency around that. I've had a text from

1238
01:12:13,495 --> 01:12:16,695
Speaker 4: a contractor that I know and trust, and I know

1239
01:12:16,815 --> 01:12:20,015
Speaker 4: that he's exceptionally good at what he does, and so

1240
01:12:20,215 --> 01:12:22,335
Speaker 4: I'll just read out his text to me, which has

1241
01:12:22,375 --> 01:12:25,175
Speaker 4: come through on my phone. Obviously, need to be careful, Pete.

1242
01:12:25,175 --> 01:12:28,455
Speaker 4: Around the insurance for renovations. A builder can't really offer

1243
01:12:28,615 --> 01:12:31,655
Speaker 4: contract works. It's very rare, he says. Every builder and

1244
01:12:31,775 --> 01:12:35,855
Speaker 4: every subby should have their own pl public liability insurance,

1245
01:12:36,295 --> 01:12:39,935
Speaker 4: and the owner also needs to take out contract works

1246
01:12:40,055 --> 01:12:43,975
Speaker 4: insurance or at least notify their insurer. In the instance

1247
01:12:44,055 --> 01:12:46,375
Speaker 4: you're talking about, I think the builder is referring to

1248
01:12:46,415 --> 01:12:51,415
Speaker 4: his business public liability insurance, which really only covers negligence

1249
01:12:51,455 --> 01:12:54,215
Speaker 4: on their behalf. It'll be no good if a separate

1250
01:12:54,255 --> 01:12:58,135
Speaker 4: contractor burns the house down. For example. Owners need their

1251
01:12:58,215 --> 01:13:02,175
Speaker 4: own contract works insurance. Always, you can't have two insurance

1252
01:13:02,335 --> 01:13:05,815
Speaker 4: companies ensuring the same piece of property, so then it

1253
01:13:05,815 --> 01:13:07,575
Speaker 4: comes back to the homeowner in that sense. Then he

1254
01:13:07,615 --> 01:13:09,975
Speaker 4: sent me another to get quickly, he says, Look, my

1255
01:13:10,175 --> 01:13:13,815
Speaker 4: business insurance is thirty five K a year. That includes

1256
01:13:13,855 --> 01:13:17,335
Speaker 4: the vehicles, which he's probably got five or six plus

1257
01:13:17,335 --> 01:13:21,335
Speaker 4: and diggers and that sort of thing. And we charge

1258
01:13:21,375 --> 01:13:25,415
Speaker 4: every client a contribution to ear to this within our

1259
01:13:25,495 --> 01:13:27,735
Speaker 4: P and G charges for the job. It's a cost

1260
01:13:27,775 --> 01:13:30,535
Speaker 4: of the business. I've never had to claim on pl

1261
01:13:30,575 --> 01:13:33,495
Speaker 4: insurance touch what he says, and I wouldn't ask a

1262
01:13:33,535 --> 01:13:37,335
Speaker 4: client to pay the excess on a claim. There you go,

1263
01:13:37,375 --> 01:13:39,135
Speaker 4: And that's for a contractor who, like I say, I've

1264
01:13:39,135 --> 01:13:42,215
Speaker 4: known for a good number of years. I've seen their

1265
01:13:42,215 --> 01:13:45,975
Speaker 4: work and it's exceptional. So I really appreciate the insight.

1266
01:13:46,015 --> 01:13:48,695
Speaker 4: Thanks for your text, mate, I eight hundred eighty. I

1267
01:13:48,735 --> 01:13:50,495
Speaker 4: take it he's listening to this on his way to

1268
01:13:50,495 --> 01:13:53,255
Speaker 4: golf this morning. Probably eight hundred eighty ten eighty. The

1269
01:13:53,335 --> 01:13:55,895
Speaker 4: number to call your thoughts on insurance or any other

1270
01:13:56,015 --> 01:14:02,015
Speaker 4: building related matter, Mike are very good morning to you. Hey, Mike,

1271
01:14:02,055 --> 01:14:02,415
Speaker 4: how you do.

1272
01:14:03,815 --> 01:14:08,215
Speaker 6: I'm going good. Thanks, I've got a class. They're sitting behind.

1273
01:14:08,335 --> 01:14:09,815
Speaker 4: Yes, I'm looking to that.

1274
01:14:11,335 --> 01:14:14,135
Speaker 6: War area, yep. I want to know where I can

1275
01:14:15,255 --> 01:14:18,975
Speaker 6: put the tiles directly onto the glass rather than having

1276
01:14:19,015 --> 01:14:20,495
Speaker 6: to remove the glass.

1277
01:14:21,255 --> 01:14:25,015
Speaker 4: That look part of me goes. You know, there's no

1278
01:14:25,095 --> 01:14:28,775
Speaker 4: reason why you wouldn't that The challenge will be like

1279
01:14:28,895 --> 01:14:33,775
Speaker 4: most tile adhesives are not designed to adhere to glass, right,

1280
01:14:33,855 --> 01:14:37,615
Speaker 4: So they're designed to adhere to particular membranes or to

1281
01:14:38,015 --> 01:14:41,975
Speaker 4: directly to plasterboard, et cetera, et cetera, in which case

1282
01:14:42,255 --> 01:14:45,775
Speaker 4: you may need to adhere the tiles. You might find

1283
01:14:45,775 --> 01:14:48,815
Speaker 4: a tile adhesive that actually works on a solid surface

1284
01:14:48,895 --> 01:14:51,015
Speaker 4: like that, or you might end up finding that you

1285
01:14:51,095 --> 01:14:54,735
Speaker 4: need to use like a silicon adhesive to adhere the

1286
01:14:54,775 --> 01:14:57,735
Speaker 4: tiles to the glass and then grout them. And also,

1287
01:14:57,935 --> 01:15:01,095
Speaker 4: I guess just be realistic about you know, how long

1288
01:15:01,135 --> 01:15:03,095
Speaker 4: it might last and that sort of thing.

1289
01:15:03,175 --> 01:15:07,855
Speaker 6: So it's I had heard possibly use silicones.

1290
01:15:08,135 --> 01:15:13,375
Speaker 4: Yeah, but you'd want a silicon adhesive. So there are adhesives.

1291
01:15:13,375 --> 01:15:15,855
Speaker 4: There are silicones, and then there are in some cases

1292
01:15:15,895 --> 01:15:19,215
Speaker 4: there are silicon adhesive or sealant adhesive. So just make

1293
01:15:19,255 --> 01:15:22,575
Speaker 4: sure you're selecting the right product. But yeah, and so

1294
01:15:22,695 --> 01:15:25,335
Speaker 4: if you've got glass splash back just behind the hobbs,

1295
01:15:25,415 --> 01:15:28,015
Speaker 4: does that extend then on the walls on either side,

1296
01:15:28,095 --> 01:15:30,935
Speaker 4: or you're just looking to tile over the glass splash.

1297
01:15:30,615 --> 01:15:31,295
Speaker 3: Back just.

1298
01:15:33,215 --> 01:15:35,775
Speaker 6: Tens and two multi panels on the side.

1299
01:15:37,135 --> 01:15:40,215
Speaker 4: Yeah, yeah, perfect, Look at that wall. You know it's

1300
01:15:40,295 --> 01:15:43,695
Speaker 4: it's your place. If if, for example, in a couple

1301
01:15:43,735 --> 01:15:45,655
Speaker 4: of years time one of the tiles falls off, where

1302
01:15:45,695 --> 01:15:51,895
Speaker 4: you just put it back on again. So yeah, drop, yeah,

1303
01:15:51,895 --> 01:15:55,215
Speaker 4: that's right. That's one way to ruin your spaghetti bolonnaise.

1304
01:15:56,695 --> 01:15:59,135
Speaker 4: Oh mate, have a crack. Just make sure you use

1305
01:15:59,175 --> 01:16:02,895
Speaker 4: the right adhesive. All right, all the very best you

1306
01:16:02,975 --> 01:16:05,535
Speaker 4: might you take care. Eight hundred and eighty ten eighty

1307
01:16:05,735 --> 01:16:16,095
Speaker 4: and Narada, Good morning to you, Rida, good morning. Hello,

1308
01:16:16,575 --> 01:16:18,415
Speaker 4: how are you hi?

1309
01:16:18,855 --> 01:16:21,695
Speaker 11: I'm telling about a but and old deecking membrane that

1310
01:16:21,735 --> 01:16:26,575
Speaker 11: we have over a downstairs rump us. Yep, we had

1311
01:16:26,575 --> 01:16:28,975
Speaker 11: a it looked like I had been kind of pierced

1312
01:16:28,975 --> 01:16:32,055
Speaker 11: and repaired with silicon for some nails that had come through,

1313
01:16:32,095 --> 01:16:33,775
Speaker 11: and we had a contract to come and put a

1314
01:16:33,775 --> 01:16:38,695
Speaker 11: waterproof membrane over the top. Yes, but it seems like

1315
01:16:38,735 --> 01:16:42,375
Speaker 11: there's kind of air bubbles whether nails had punctured it,

1316
01:16:42,655 --> 01:16:44,615
Speaker 11: And I'm not happy with the solution, and I'm not

1317
01:16:44,655 --> 01:16:47,335
Speaker 11: sure whether that was the right option and where we

1318
01:16:47,375 --> 01:16:50,775
Speaker 11: can go from now we've paid half of the voice already.

1319
01:16:53,375 --> 01:16:56,535
Speaker 4: Yeah, I don't really have good news for you. I

1320
01:16:56,575 --> 01:17:00,775
Speaker 4: think the contractor probably should have given you better advice

1321
01:17:00,895 --> 01:17:04,255
Speaker 4: than I can apply, because what they've done is they've

1322
01:17:04,255 --> 01:17:06,975
Speaker 4: applied a membrane over the top of the butteanol, right,

1323
01:17:07,015 --> 01:17:09,335
Speaker 4: but they haven't addressed the issue of is the butte

1324
01:17:09,415 --> 01:17:15,055
Speaker 4: nyl starting to delaminate from the surface underneath it? And

1325
01:17:15,135 --> 01:17:18,175
Speaker 4: also if the fixings are starting to move and it's

1326
01:17:18,295 --> 01:17:22,055
Speaker 4: it's not uncommon right for a certain error, then they

1327
01:17:22,095 --> 01:17:26,415
Speaker 4: haven't done anything to solve that problem. So no, applying

1328
01:17:26,415 --> 01:17:29,735
Speaker 4: a waterproofing solution over the top was never going to work.

1329
01:17:29,815 --> 01:17:32,255
Speaker 11: Right, Okay, that's what I suspected.

1330
01:17:32,615 --> 01:17:34,735
Speaker 4: Yeah, which I know is terrible news.

1331
01:17:34,855 --> 01:17:41,455
Speaker 11: But like our other advice was a conversion to a

1332
01:17:41,495 --> 01:17:44,535
Speaker 11: fiberglass Would that and they take the butter knol off?

1333
01:17:45,575 --> 01:17:49,375
Speaker 4: Yes, yes, you would need to remove the existing substrate.

1334
01:17:49,455 --> 01:17:51,255
Speaker 4: Then you've got to look at what the fixings are

1335
01:17:51,495 --> 01:17:54,575
Speaker 4: and you know, if there has been some leaking, and

1336
01:17:54,855 --> 01:17:57,255
Speaker 4: for example, back in the day it might have been

1337
01:17:57,295 --> 01:18:01,855
Speaker 4: common practice to use untreated plywood underneath there, you might

1338
01:18:01,895 --> 01:18:04,015
Speaker 4: have some decay in that, so you might also have

1339
01:18:04,095 --> 01:18:05,335
Speaker 4: to remove the plywood.

1340
01:18:06,655 --> 01:18:07,415
Speaker 6: But look, I.

1341
01:18:08,935 --> 01:18:11,935
Speaker 4: Respectfully say to the contractor, this is not a solution

1342
01:18:12,055 --> 01:18:16,695
Speaker 4: that's addressing the actual issues. Don't go ahead and do anymore.

1343
01:18:16,935 --> 01:18:20,855
Speaker 4: It's just throwing And I kind of feel a bit

1344
01:18:20,855 --> 01:18:25,735
Speaker 4: annoyed when contractors do this, because it's anyone who's reasonably experienced,

1345
01:18:26,215 --> 01:18:28,775
Speaker 4: reasonably competent would know that this isn't going to be

1346
01:18:29,375 --> 01:18:29,855
Speaker 4: a solution.

1347
01:18:29,935 --> 01:18:32,815
Speaker 11: That there was a five year warranty on it, but

1348
01:18:32,895 --> 01:18:34,775
Speaker 11: there's nothing in writing. So I've asked for that and

1349
01:18:34,775 --> 01:18:35,775
Speaker 11: they haven't comed back to me.

1350
01:18:36,015 --> 01:18:39,895
Speaker 4: Yeah, ask for the warranty, don't pay any more money,

1351
01:18:40,095 --> 01:18:44,055
Speaker 4: probably don't get them back necessarily to do any more work.

1352
01:18:45,015 --> 01:18:48,095
Speaker 4: It would be interesting to know what product they actually

1353
01:18:48,135 --> 01:18:49,295
Speaker 4: applied over the top.

1354
01:18:49,335 --> 01:18:52,335
Speaker 11: It was a Marpe Marpe, right, is that how you

1355
01:18:52,415 --> 01:18:52,855
Speaker 11: pronounce it?

1356
01:18:52,975 --> 01:18:55,695
Speaker 4: Yeah, Marpe, and that's a good brand. It's just I

1357
01:18:55,695 --> 01:18:58,895
Speaker 4: didn't know that they did a waterproofing solution for buttenyl.

1358
01:18:59,175 --> 01:19:03,055
Speaker 4: So there are some systems where there is like an

1359
01:19:03,135 --> 01:19:07,095
Speaker 4: approved system for applying over the top of No, I'd

1360
01:19:07,135 --> 01:19:09,815
Speaker 4: have to do some research to see whether that includes Marpe.

1361
01:19:10,095 --> 01:19:13,735
Speaker 4: Marpe is a very good brand, but even good products

1362
01:19:13,815 --> 01:19:17,375
Speaker 4: installed and correctly won't work. That's why we have producers

1363
01:19:17,575 --> 01:19:21,855
Speaker 4: statements or warranty certificates and specifications.

1364
01:19:22,135 --> 01:19:25,695
Speaker 11: So thank you very much. Sorry take a lot of

1365
01:19:25,695 --> 01:19:28,135
Speaker 11: money for a very short job. So I was just

1366
01:19:28,175 --> 01:19:29,455
Speaker 11: feeling very about it.

1367
01:19:30,135 --> 01:19:35,135
Speaker 4: Please please don't continue. Don't don't continue with it? Okay,

1368
01:19:35,215 --> 01:19:42,255
Speaker 4: all right, all the best. Then, ah, that's not great.

1369
01:19:44,455 --> 01:19:46,535
Speaker 4: It's not great at all. So in a nutshell, I

1370
01:19:46,575 --> 01:19:52,015
Speaker 4: think you know older but knol applications over let's say,

1371
01:19:53,055 --> 01:19:55,695
Speaker 4: might even be twelve mil play nailed down with clouts.

1372
01:19:55,735 --> 01:19:58,255
Speaker 4: The clouds start to move, they rise, they pierce them

1373
01:19:58,695 --> 01:20:01,375
Speaker 4: waterproofing membrane. But if you don't solve that problem, there's

1374
01:20:01,375 --> 01:20:04,095
Speaker 4: no point in putting another membrane over the top. We'll

1375
01:20:04,135 --> 01:20:06,935
Speaker 4: talk more about this, and the insurance one has really

1376
01:20:06,975 --> 01:20:08,775
Speaker 4: taken off this morning, So if you've got some thoughts,

1377
01:20:08,935 --> 01:20:11,535
Speaker 4: call us now your new stork, se'd be welcome back

1378
01:20:11,575 --> 01:20:13,975
Speaker 4: to the program. My name's Pete wolf Camp, resident builder,

1379
01:20:14,055 --> 01:20:16,655
Speaker 4: and this is the resident builder on Sunday. So we're

1380
01:20:16,655 --> 01:20:21,015
Speaker 4: talking building. And that's a pretty broad sort of subject,

1381
01:20:21,095 --> 01:20:23,095
Speaker 4: or it touches or it links into a whole lot

1382
01:20:23,095 --> 01:20:26,575
Speaker 4: of issues. What has ignited the text machine in a

1383
01:20:26,575 --> 01:20:29,095
Speaker 4: way that I haven't seen for a long time has

1384
01:20:29,215 --> 01:20:35,015
Speaker 4: been this discussion around insurance. And it all stemmed from

1385
01:20:35,015 --> 01:20:39,295
Speaker 4: a call just after the seven o'clock news Linda, who

1386
01:20:39,415 --> 01:20:42,735
Speaker 4: is about to do a kitchen renovation. So there's the

1387
01:20:42,775 --> 01:20:46,615
Speaker 4: old kitchen units to be removed, possibly some reinstatement of

1388
01:20:46,695 --> 01:20:50,895
Speaker 4: plaster board. Obviously electrical come in and do some rewiring.

1389
01:20:50,975 --> 01:20:54,615
Speaker 4: Plumber might be involved. The builder is going to change

1390
01:20:55,095 --> 01:20:57,535
Speaker 4: let's say a conventional door to a pocket door or

1391
01:20:57,575 --> 01:20:59,655
Speaker 4: to a cavity slider, So need to open up a

1392
01:20:59,655 --> 01:21:01,935
Speaker 4: bit of the wall which isn't load bearing, so it

1393
01:21:01,935 --> 01:21:05,575
Speaker 4: doesn't need a building consents. You can do that work

1394
01:21:05,655 --> 01:21:14,615
Speaker 4: under schedule. And then the builder in their contract has said, look,

1395
01:21:14,695 --> 01:21:19,295
Speaker 4: I have insurance, and let's presume that that's public liability insurance,

1396
01:21:20,455 --> 01:21:23,815
Speaker 4: and I will include you in the public liability or

1397
01:21:23,815 --> 01:21:27,055
Speaker 4: i'll note your job down in that if you agree

1398
01:21:27,055 --> 01:21:31,695
Speaker 4: to pay the excess, should we need to make a claim?

1399
01:21:31,735 --> 01:21:35,415
Speaker 4: And so what do you do? Well, that's a fascinating question.

1400
01:21:35,495 --> 01:21:38,015
Speaker 4: What do you do that? And partly that questions aimed

1401
01:21:38,015 --> 01:21:40,415
Speaker 4: at you, Now, what would you do in that instance.

1402
01:21:40,455 --> 01:21:45,415
Speaker 4: We've had a truckload of texts on this from Hey,

1403
01:21:45,415 --> 01:21:48,695
Speaker 4: it's great that a contractor is actually being upfront about

1404
01:21:48,775 --> 01:21:52,135
Speaker 4: the insurance and the insurance cost too. It's absurd that

1405
01:21:52,535 --> 01:21:56,655
Speaker 4: you would be asked to specifically pay for it. Surely

1406
01:21:56,695 --> 01:22:02,015
Speaker 4: that should be included in the contractor's rates. So how

1407
01:22:02,015 --> 01:22:05,495
Speaker 4: do you then, if you're a contractor, explain to someone that, hey, look,

1408
01:22:05,535 --> 01:22:07,655
Speaker 4: part of the cost of doing this job as insurance.

1409
01:22:07,855 --> 01:22:10,935
Speaker 4: That's why maybe my quote is a little bit more

1410
01:22:10,935 --> 01:22:14,135
Speaker 4: expensive than somebody else's because actually I've got insurance and

1411
01:22:14,175 --> 01:22:17,455
Speaker 4: that gives you some surety. It's also raised an issue

1412
01:22:17,495 --> 01:22:20,735
Speaker 4: around the distinction between the various types of insurance, and

1413
01:22:20,735 --> 01:22:24,215
Speaker 4: it gets quite a complicated here as well. So contractors

1414
01:22:24,255 --> 01:22:28,655
Speaker 4: typically will have public liability insurance ensuring the actual job

1415
01:22:28,775 --> 01:22:32,135
Speaker 4: for damage becomes part of the can become part of

1416
01:22:32,175 --> 01:22:36,975
Speaker 4: the homeowner's responsibility, so if you're having work done, you net.

1417
01:22:36,415 --> 01:22:39,095
Speaker 4: The only bit of advice that I seem to have

1418
01:22:39,135 --> 01:22:42,655
Speaker 4: some consensus on is if you are a homeowner who

1419
01:22:42,775 --> 01:22:46,255
Speaker 4: is having contractors do work at your place, you've got

1420
01:22:46,255 --> 01:22:48,495
Speaker 4: to pick up the phone and talk to your insurer

1421
01:22:48,775 --> 01:22:52,615
Speaker 4: before they start, one to notify them, and two you

1422
01:22:52,735 --> 01:22:56,735
Speaker 4: may need to extend the cover on your existing insurance

1423
01:22:56,775 --> 01:23:01,335
Speaker 4: policy to cover this work. The contracts work for the

1424
01:23:01,455 --> 01:23:06,615
Speaker 4: duration of the job, and that becomes your expense, not

1425
01:23:06,695 --> 01:23:10,575
Speaker 4: necessarily the contractor's expense. So anyway, it has been fascinating

1426
01:23:10,575 --> 01:23:13,695
Speaker 4: and the text machine has gone nuts on this, but

1427
01:23:13,775 --> 01:23:15,975
Speaker 4: i'd love your calls, so if you'd like to offer

1428
01:23:16,055 --> 01:23:18,855
Speaker 4: up an opinion on that, we'll take your calls. Just

1429
01:23:19,055 --> 01:23:21,535
Speaker 4: prior to the news we were talking with the narrator

1430
01:23:22,175 --> 01:23:26,935
Speaker 4: about some work where I'm guessing from what she's describing,

1431
01:23:26,975 --> 01:23:32,375
Speaker 4: we're probably talking about nineteen eighties construction, maybe early nineteen nineties.

1432
01:23:33,295 --> 01:23:37,495
Speaker 4: So there's a deck that extends over a habitable space below.

1433
01:23:37,535 --> 01:23:41,615
Speaker 4: In this case of rumpus room, it's been framed out,

1434
01:23:41,695 --> 01:23:45,415
Speaker 4: it's got probably plywood on it that's been fixed down.

1435
01:23:45,575 --> 01:23:48,975
Speaker 4: It sounds like with maybe nails, as was common practice

1436
01:23:48,975 --> 01:23:51,615
Speaker 4: at the time, and then it's got buttanol, which is

1437
01:23:51,935 --> 01:23:55,695
Speaker 4: a rubber membrane over the top, which again common product

1438
01:23:55,695 --> 01:23:59,935
Speaker 4: then still available today. There's been some movement of the

1439
01:23:59,975 --> 01:24:03,535
Speaker 4: substrate of the plywood, the nails are starting to loosen

1440
01:24:03,935 --> 01:24:07,095
Speaker 4: and come up the piercing the membrane, and there's also

1441
01:24:07,135 --> 01:24:10,655
Speaker 4: been some bubbles where the adhesion has let go and

1442
01:24:10,695 --> 01:24:15,495
Speaker 4: someone's come along applied a coat of something turns out

1443
01:24:15,535 --> 01:24:17,375
Speaker 4: to be a marpe product over the top of that,

1444
01:24:17,655 --> 01:24:19,815
Speaker 4: and then charge them quite a lot of money for that.

1445
01:24:20,615 --> 01:24:23,655
Speaker 4: Yet it hasn't dealt with any of the actual substantive

1446
01:24:23,695 --> 01:24:27,015
Speaker 4: issues as to why that waterproofing is failing. I'm saying,

1447
01:24:27,055 --> 01:24:29,415
Speaker 4: don't spend another cent on it. You may offer up

1448
01:24:29,455 --> 01:24:32,015
Speaker 4: an opinion as well. Oh, eight hundred eighty ten eighty

1449
01:24:32,215 --> 01:24:35,495
Speaker 4: is the number to call on all of these things.

1450
01:24:35,735 --> 01:24:39,135
Speaker 4: A couple of texts. I'll just scroll back down because cracky,

1451
01:24:39,175 --> 01:24:43,815
Speaker 4: there's a lot of them. Is paying the excess for

1452
01:24:43,855 --> 01:24:47,455
Speaker 4: a client if she has to claim against the builder

1453
01:24:47,535 --> 01:24:49,735
Speaker 4: for poor workers? It the builder In case he has

1454
01:24:49,775 --> 01:24:52,575
Speaker 4: to put an acclaim against a supplier. I think it's

1455
01:24:52,655 --> 01:24:56,655
Speaker 4: the builder. The contractor has said, look, I've got insurance,

1456
01:24:56,775 --> 01:25:01,615
Speaker 4: but you need to agree to pay the excess, so

1457
01:25:01,735 --> 01:25:05,255
Speaker 4: that would be against some sort of damage. It'll never

1458
01:25:05,335 --> 01:25:08,695
Speaker 4: be you can't claim for negligence. I understand. It'll be

1459
01:25:08,895 --> 01:25:13,655
Speaker 4: about the resulting damage from negligence. Liability insurance is a

1460
01:25:13,695 --> 01:25:16,935
Speaker 4: business cost, says someone on the text New Zealand. Businesses

1461
01:25:16,975 --> 01:25:19,055
Speaker 4: continue to pass on their cost to the customer. When

1462
01:25:19,095 --> 01:25:20,575
Speaker 4: I was a courier, I had to have a ten

1463
01:25:20,735 --> 01:25:24,735
Speaker 4: million dollar public liability insurance. I did not pass on

1464
01:25:24,775 --> 01:25:28,975
Speaker 4: those costs to the consumer. Why would building be any different.

1465
01:25:29,015 --> 01:25:31,615
Speaker 4: It sounds like the building industry has slipped through the cracks,

1466
01:25:31,655 --> 01:25:34,815
Speaker 4: while every other business having been incurring these costs forever,

1467
01:25:35,975 --> 01:25:38,695
Speaker 4: and as my mate who texts through, he says, look,

1468
01:25:38,735 --> 01:25:41,655
Speaker 4: my insurance costs for my business are thirty five thousand

1469
01:25:41,655 --> 01:25:45,735
Speaker 4: dollars a year. Now that's public liability, but also includes

1470
01:25:45,735 --> 01:25:48,335
Speaker 4: some vehicle costs, and there'd be a bunch of uts,

1471
01:25:48,335 --> 01:25:52,815
Speaker 4: a small truck, digger, trailers, etc. Etc. So it's a

1472
01:25:52,855 --> 01:25:55,495
Speaker 4: reasonable size fleet that he runs as part of his

1473
01:25:55,815 --> 01:26:01,455
Speaker 4: building and landscape and construction business. But it's a significant cost.

1474
01:26:01,615 --> 01:26:05,175
Speaker 4: It's a significant overhead, so he includes that in their

1475
01:26:05,175 --> 01:26:08,535
Speaker 4: P ANDNG costs. Eight hundred eighty ten eighty is the

1476
01:26:08,655 --> 01:26:11,055
Speaker 4: number to call. We can talk insurance, we can talk construction,

1477
01:26:11,575 --> 01:26:14,175
Speaker 4: and remember at around eight thirty this morning, we will

1478
01:26:14,215 --> 01:26:17,375
Speaker 4: be talking all things gardening and the wonderful world of

1479
01:26:17,535 --> 01:26:20,975
Speaker 4: bugs with Rod Climb passed after the break at eight thirty,

1480
01:26:20,975 --> 01:26:23,695
Speaker 4: but right now time for your calls. Eight hundred eighty

1481
01:26:23,855 --> 01:26:26,695
Speaker 4: ten eighty and Graham, a very good morning to you.

1482
01:26:26,815 --> 01:26:32,935
Speaker 12: Welcome, good morning. Yes, public public liability is there to

1483
01:26:32,935 --> 01:26:38,575
Speaker 12: cover the contractor's liability to the principle, there is no

1484
01:26:38,935 --> 01:26:44,295
Speaker 12: way it should be any agreement by the principle I

1485
01:26:44,335 --> 01:26:47,175
Speaker 12: either person having the work done to cover the access

1486
01:26:47,255 --> 01:26:51,215
Speaker 12: or anything because it is there the contractors liability to

1487
01:26:51,295 --> 01:26:55,535
Speaker 12: you as the person paying for the thing it does

1488
01:26:55,655 --> 01:26:56,335
Speaker 12: not cover.

1489
01:26:56,895 --> 01:27:00,455
Speaker 4: Sorry, would it be slightly unusual then for a contractor

1490
01:27:00,495 --> 01:27:04,815
Speaker 4: to offer the P and L. So actually, let's go

1491
01:27:04,895 --> 01:27:08,975
Speaker 4: back a step. Like if I'm a contractor and I'm

1492
01:27:08,975 --> 01:27:11,855
Speaker 4: doing work for various clients and in this instance here

1493
01:27:11,975 --> 01:27:14,935
Speaker 4: I've gone, I've quoted some work for a kitchen renovation,

1494
01:27:15,535 --> 01:27:18,695
Speaker 4: and I've got a public liability policy that's in place.

1495
01:27:19,295 --> 01:27:23,815
Speaker 4: As do I need to nominate or inform my insurer

1496
01:27:23,855 --> 01:27:26,975
Speaker 4: as to which clients should be covered by that or

1497
01:27:26,975 --> 01:27:29,415
Speaker 4: does it cover all of my clients regardless?

1498
01:27:30,735 --> 01:27:35,575
Speaker 12: Okay, so public liability insurance covers your legal liability anywhere

1499
01:27:35,575 --> 01:27:37,975
Speaker 12: in New Zealand. Some will cover anywhere in the world,

1500
01:27:37,975 --> 01:27:41,015
Speaker 12: but predominantly anywhere in New zim for any work you're doing,

1501
01:27:41,095 --> 01:27:44,295
Speaker 12: so you do not need to notify your insurer as

1502
01:27:44,335 --> 01:27:45,055
Speaker 12: a contractor.

1503
01:27:45,375 --> 01:27:45,655
Speaker 6: Right.

1504
01:27:45,855 --> 01:27:50,495
Speaker 12: However, if you, as a house owner, are having work

1505
01:27:50,575 --> 01:27:53,455
Speaker 12: done to your house and you gave the advice earlier

1506
01:27:53,495 --> 01:27:58,135
Speaker 12: in the show, yes, let your insurance company know for

1507
01:27:58,295 --> 01:28:01,815
Speaker 12: something like a kitchen they may not require an extra premium.

1508
01:28:01,855 --> 01:28:05,735
Speaker 12: They'll just note it. Yes, but that varies from insurance

1509
01:28:05,775 --> 01:28:07,135
Speaker 12: company to an insurance company.

1510
01:28:08,575 --> 01:28:12,455
Speaker 4: Whereas I've got friends who are extending out the back

1511
01:28:12,495 --> 01:28:14,415
Speaker 4: of the house right so at a certain stage they'll

1512
01:28:14,455 --> 01:28:16,695
Speaker 4: probably have to remove part of the roofing that sort

1513
01:28:16,735 --> 01:28:20,815
Speaker 4: of thing. You'd really want your insurance to know specifically

1514
01:28:20,815 --> 01:28:21,575
Speaker 4: that that's happening.

1515
01:28:22,575 --> 01:28:28,495
Speaker 12: So removing anything that affects the effectively the envelope the

1516
01:28:28,535 --> 01:28:31,815
Speaker 12: water pressing of the house is a must you must

1517
01:28:32,135 --> 01:28:36,735
Speaker 12: in your insurance company. But public liability will not cover

1518
01:28:36,855 --> 01:28:40,255
Speaker 12: the work that he is doing. It covers his legal

1519
01:28:40,295 --> 01:28:45,735
Speaker 12: liability for resulting damage, so he drops the hammer on

1520
01:28:45,815 --> 01:28:51,295
Speaker 12: the bath or things like that. With my clients, I

1521
01:28:51,375 --> 01:28:55,855
Speaker 12: used to say to the builders, Look, if you're doing renovation,

1522
01:28:56,775 --> 01:29:01,295
Speaker 12: make it the responsibility and the contract for the homeowners

1523
01:29:01,455 --> 01:29:04,535
Speaker 12: to organize the insurance. If you're doing a new build,

1524
01:29:07,095 --> 01:29:09,415
Speaker 12: it's up between the two of you where they which

1525
01:29:09,455 --> 01:29:11,255
Speaker 12: one will organize the insurance.

1526
01:29:11,655 --> 01:29:15,295
Speaker 4: Because typically that's quite a different insurance policy, isn't it.

1527
01:29:15,335 --> 01:29:18,015
Speaker 4: In that in New Zealand there's only a couple of

1528
01:29:18,015 --> 01:29:23,335
Speaker 4: companies that will offer essentially like a durability warranty or

1529
01:29:23,415 --> 01:29:24,895
Speaker 4: insurance for a new build.

1530
01:29:26,455 --> 01:29:26,735
Speaker 5: Yeah.

1531
01:29:26,935 --> 01:29:32,735
Speaker 12: Yeah, None of the construction insurance or public liability will

1532
01:29:32,815 --> 01:29:37,215
Speaker 12: cover what's an effect a guarantee that the builder has

1533
01:29:37,255 --> 01:29:40,255
Speaker 12: done things correctly. You're right, that is a very rare

1534
01:29:40,295 --> 01:29:43,415
Speaker 12: one that's born into the performance guarantee type insurance.

1535
01:29:44,055 --> 01:29:50,695
Speaker 4: Yeah, it was a very fascinating, you know, interesting call.

1536
01:29:50,735 --> 01:29:53,935
Speaker 4: It's provoked an enormous response which has been tremendous. But

1537
01:29:54,415 --> 01:29:58,415
Speaker 4: you know, in this case, the contractor has said, I've

1538
01:29:58,455 --> 01:30:01,095
Speaker 4: got insurance, but you have to agree to pay the excess.

1539
01:30:01,095 --> 01:30:03,855
Speaker 8: If you ever heard of that, that is a load

1540
01:30:03,855 --> 01:30:06,015
Speaker 8: of rubbish, right, because.

1541
01:30:07,335 --> 01:30:11,935
Speaker 12: It's just stupid, because the public liability policy is covering

1542
01:30:13,335 --> 01:30:18,255
Speaker 12: the builders or contractors liability to you, So why would

1543
01:30:18,335 --> 01:30:22,095
Speaker 12: you pay the excess on his liability to meet the

1544
01:30:22,135 --> 01:30:25,495
Speaker 12: damage he's caused to you. I've never heard of anything

1545
01:30:25,535 --> 01:30:26,175
Speaker 12: so stupid.

1546
01:30:26,895 --> 01:30:30,415
Speaker 4: I think what they're saying, well, yeah, and look I

1547
01:30:30,455 --> 01:30:33,735
Speaker 4: know on that when you were talking with Isama producer,

1548
01:30:33,735 --> 01:30:35,335
Speaker 4: you've said, you know, you've been in this game for

1549
01:30:35,375 --> 01:30:40,295
Speaker 4: a while, so i'll buy out your experience. The notion

1550
01:30:40,455 --> 01:30:42,495
Speaker 4: that in the event that there's a claim, you have

1551
01:30:42,575 --> 01:30:47,135
Speaker 4: to pay the excess is that unusual? I mean, if

1552
01:30:47,175 --> 01:30:48,935
Speaker 4: there's no claim, there's no cost, right.

1553
01:30:49,815 --> 01:30:50,055
Speaker 6: Yeah.

1554
01:30:50,455 --> 01:30:52,575
Speaker 12: In fifty one years I've never heard of it. It's

1555
01:30:52,575 --> 01:30:55,655
Speaker 12: the effect like saying the car that drove into the

1556
01:30:55,695 --> 01:30:58,735
Speaker 12: back of you, yes, And that's what legal liability is.

1557
01:30:59,055 --> 01:31:01,255
Speaker 12: It's the same the car that drove into the back

1558
01:31:01,295 --> 01:31:03,815
Speaker 12: of you. You've got to pay the excess the damage

1559
01:31:03,855 --> 01:31:04,535
Speaker 12: he's caused to you.

1560
01:31:05,175 --> 01:31:07,975
Speaker 4: Brilliant linked and to the point. I love that, Graham,

1561
01:31:08,015 --> 01:31:11,615
Speaker 4: Thank you, much appreciated, all the very best, much appreciated.

1562
01:31:11,655 --> 01:31:14,815
Speaker 4: Thanks for your time. Let me see almost eighteen minutes

1563
01:31:14,935 --> 01:31:17,255
Speaker 4: after eight. We'll take short break, We'll take a couple

1564
01:31:17,255 --> 01:31:19,415
Speaker 4: more calls, and then we're into the garden with red

1565
01:31:19,455 --> 01:31:21,335
Speaker 4: Climb passed from eight thirty this morning.

1566
01:31:22,055 --> 01:31:24,975
Speaker 1: For more from the Resident Builder with Peter Wolfcamp, listen

1567
01:31:25,095 --> 01:31:27,895
Speaker 1: live to news talks'd be on Sunday mornings from six,

1568
01:31:28,215 --> 01:31:30,255
Speaker 1: or follow the podcast on iHeartRadio.