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The Confederation of Roofing Contractors 2000 Ltd T/A CORC Insurance are insurance brokers registered with the Financial Conduct Authority (FCA) – Reg no: 968078
Please note insurance backed guarantees (IBGS) are a chargeable service. Insurance backed guarantees are not mandatory by law and due to this, the installer does not have to offer/give one if they do not wish to.
Our insurance backed guarantees offer continuous cover of the full 10 years (2 years for Solar PV). Our guarantees cover the full contract value of works completed.
Our members must pass vigorous vetting checks to be able to offer our guarantees. The results of these checks can change regularly and so can the option for our members to be able to offer the insurance backed guarantees.
Works must be paid for in full before an insurance backed guarantee can be issued.
What is an insurance backed guarantee?
Usually when new work is carried out at your property, your installer will give you a company guarantee. This is a guarantee from the company that, should any defects arise from their work, they will come back free of charge during the length of time given on the guarantee. Should you have a company guarantee and the company ceases to trade your company guarantee for the work undertaken would no longer provide any protection.
An insurance backed guarantee runs alongside the installers company guarantee. Should the company cease to trade, your work would still be covered for the remaining length of time of the company guarantee. To clarify, ceasing to trade is due to liquidation, receivership, administration or winding up due to bankruptcy, state retirement or the death of the principals.
How can I get an insurance backed guarantee?
Your installer will request an insurance backed guarantee directly from The CORC office. Please contact our office before work is agreed and we can confirm to you that your installer is able to offer insurance backed guarantees. We would suggest letting your installer know before work has started that you would like an insurance backed guarantee for your project as insurance backed guarantees are not mandatory by law.
How long will my insurance backed guarantee cover?
Our insurance backed guarantees cover 10 years. You MUST have the company guarantee to run alongside your guarantee otherwise, it will be void. The company guarantee should match or go above the time frame of the insurance backed guarantee.
When will I not be able to get an insurance backed guarantee?
There are certain instances where you may not be able to get an IBG for your work.
- Insurance backed guarantees will not cover repairs, only new work and materials
- As insurance backed guarantees are not mandatory by law and it is down to the installers to decide whether they are happy to offer them. They are within their rights to refuse to offer an insurance backed guarantee.
- Some of our members may not be able to offer insurance backed guarantees, please do ask them or us before you get work carried out.
- Insurance backed guarantees will not cover paints or resins, please contact us should you be unclear whether your product is covered.
- Insurance backed guarantees cannot be provided for non-members or others who have carried out work on the roof. Only the work our members have specifically carried out can be covered.
How soon will I get my insurance backed guarantee?
Once your installer has requested and paid for the insurance backed guarantee, it will be sent to you within 24 hours. Commercial insurance backed guarantees (businesses, churches, schools etc) may take a little longer. Please advise your installer how you would like the insurance backed guarantee sent to you. We can send it via email or post, or both!
Your insurance backed guarantee will be provided in the name given to us by the member ordering. Should there be any issues in spelling, address’ or anything else, please do contact your installer and ask them to contact us to get this changed and a new policy sent.
Should you eventually sell the property within the 10-year period, the homeowner is able to contact us to change the name across to the new owner at no extra cost.
* members are to pass credit checks before being able to offer insurance backed guarantees.