Double Glazing Indemnity Insurance: When is it Needed?

Double glazing indemnity insurance is something that most of us are unfamiliar with, and will probably never need. But during a house purchase, if you don't have a FENSA certificate or alternate way to prove your double glazing meets regulations, indemnity insurance is a way to resolve the issue without replacing the windows in your home or incurring significant expense.

"FENSA" stands for the "Fenestration Self-Assessment Scheme" and was set up in 2002 as a result of government encouragement. In essence, FENSA self-regulates the double glazing industry, giving homeowners a guarantee that the lazing installation is in compliance with industry guidelines and meets minimum standards or acceptability.

In fact, FENSA certified contractors installing double glazing must have indemnity insurance themselves, to protect your deposit from being stolen, misappropriated or misused in some way. Consumers can feel confident in their selection of a firm to complete their double glazing, knowing the indemnity insurance held by the firm protects their investment.

If you later decide to sell thr house, a FENSA certificate allows the homeowner to demonstrate that the windows meet government standards and regulations. But what if you don't have -- and can't get -- a certificate? Solicitors will sometimes agree to resolve the situation by the current homeowner purchasing double glazing indemnity insurance on behalf of the new buyer. The policies are relatively cheap for the existing owner to purchase, but will give the new owner peace of mind that they are protected if the windows turn out to be not up to par. Double glazing indemnity insurance in this situation can complete the sale without unreasonable delay, expense or risk on either side.

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