West Midlands Green Deal Cashback Scheme Approved Provider

Landlords

Insulation For Landlords

Cavity Wall Insulation

Introducing cavity wall insulation into any property will save money in the long term by improving energy efficiency. But what’s in it for landlords? And what if your property is hard to treat?

Millions of properties have had low cost standard insulation injected into their cavity walls free of charge.
Around 35 per cent of all the heat you produce in a property escapes through uninsulated walls.
So it’s a move that has seen energy efficiency improved for tenants and in turn seen their household bills reduced.
This is an increasingly important factor for anyone running a home, rented or owned, especially during times of austerity measures and recession.
Improving energy efficiency will also help attract tenants when your property becomes vacant and will also help you sell should you need to at a later date.
But properties with non standard walls – like solid walls, or in buildings which are three storeys or higher – had, until now, missed out on getting work done for free as they did not meet the set criteria.
Now that’s all changed.
Since October 2012 funding has been available to insulate hard to treat cavity walls, which can often be more costly and difficult to address.
Under a new Government scheme 100 per cent of the cost is met to fund the installation – in most cases – to help keep rooms warmer and reduce heat loss from properties.
It comes after ECO funding became available to help individual landlords and organisations who have properties with tenants in them.
In guidance to landlords, the Government states that: “Under the Green Deal, landlords will be able to make energy efficiency improvements without having to pay all the costs upfront.
“Tenants will repay the cost of the measures through their energy bill savings whilst enjoying a more energy efficient home.”
ECO stands for Energy Company Obligation, and the funding is primarily aimed at hard to treat properties where significant carbon savings can be made.
Along with the Green Deal, ECO is aimed at dramatically improving the energy efficiency for those properties that are not eligible, due to age, height etc, for standard cavity wall insulation.
Properties which have solid walls, or those that are three storeys or higher, can now benefit from this new funding.
Either tenants or landlords can start the Green Deal process, but they must get permission of any other parties with any interest in the property before going ahead.

Cashback
There’s a cash incentive on offer to landlords taking up the Green Deal.
The Green Deal’s Cashback Scheme rewards the first Green Deal customers.
It is a first-come, first served offer where householders can claim cash back from Government on energy saving improvements like insulation, front doors, windows and boilers.
Landlords, both private and social, are eligible where they pay for the majority of the installation costs, up to certain limits.
In all cases, cashback will be capped at 50% of the householder’s contribution to costs.

Cavity Wall Insulation:
Homes built after 1930 usually have walls with a hollow space in the middle. Putting insulation in this space is quick and makes no mess because the work can be done from outside the home.

External and internal solid wall insulation:
Homes built before 1930 usually have solid walls.
Installing insulation on the inside or outside of the wall can dramatically reduce the heat that escapes the home.

Why should you insulate a rental property?

  • Fitting insulation improves the condition and value of a property, which helps attract new tenants when properties are empty.
  • It helps existing tenants save money on heating bills and overall household bills leaving them free to continue renting more easily.
  • Insulating a property helps to sell a property when the time comes. It will help improve the energy performance rating for the property (all homes put on the market for sale must have an Energy Performance Certificate (or EPC)).
  • Improving your property’s insulation helps to protect the environment from global warming.

If your property’s walls have any of the following features you could be eligible for “hard to treat” funding:

  • Narrow cavity—Masonry cavities that are less than 50 mm wide.
  • Concrete construction—Prefabricated concrete constructions systems with cavities.
  • Metal frame construction—Metal frame construction systems with cavities.
  • Random stone cavity—Uneven cavities formed in walls constructed of natural stone outer leaf and block/brick inner leaf.
  • Timber frame uninsulated studwork cavity (also has a masonry cavity, which must not be filled).
  • Too high, more than four storeys tall.
  • Exposed to severe wind driven rain.
  • Wall fault in its outer leaf which would need to be remediated before filling.

What is involved in installing standard cavity wall insulation?
It involves drilling holes (usually between 27 and 40mm diameter) into your property’s walls. Insulation material is pumped through the holes to prevent heat from escaping and helping to retain more heat in the property. Drill holes are then made good and the job is complete.

What is involved in solid wall insulation?
Internal wall insulation: This is done by fitting rigid insulation boards to the wall, or by building a stud wall filled in with mineral wool fibre.
External wall insulation: This involves fixing a layer of insulation material to the wall, then covering it with a special type of render (plasterwork) or cladding. The finish can be smooth, textured, painted, tiled, panelled, pebble-dashed, or finished with brick slips.

Are you eligible for funding?
ECO funding is available to a landlord, estate management company, estate agent or an organisation with tenants.
Tenants qualify for free insulation within the UK if the house they are renting does not meet the government’s recommendations for cavity wall insulation. The industry is no longer means tested.

The Government’s stance on properties in the private rented sector:

With a high prevalence of poorly insulated, energy inefficient buildings, the Government states that the private rented sector has some of the biggest improvements to make.

For example:

  • The sector has the highest proportion of least energy efficient homes – 5.8% of G rated properties compared with 3.4% in owner-occupied homes;
  • 20% of households in the English private rented sector are fuel poor;
  • Nearly two-thirds of the non-domestic property sector is privately rented and around 18% of those with an EPC have the lowest rating of F or G.

Under the Green Deal, landlords can make energy efficiency improvements without having to pay all the costs upfront.
Tenants will repay the cost of the measures through their energy bill savings whilst enjoying a more energy efficient home.
Where the property is rented, both the landlord/provider and tenant must give permission for a Green Deal to be set up.
The tenant, as the electricity bill payer, will be responsible – as is currently the case with energy bill defaults.
As the responsibility for paying the energy bill reverts from tenant to landlord when a property becomes vacant, so too will Green Deal repayments during vacant periods.
When a new tenant moves in, they will need to be made aware of the Green Deal and acknowledge the repayments they need to make.
Landlords must provide a copy of the Energy Performance Certificate (EPC) or in Scotland, the EPC and Recommendations Report.

This will show the:

  • Improvements that have been made under the Green Deal
  • Repayment amounts the electricity bill payer needs to make
  • Length of the Green Deal
  • Name of the Green Deal Provider

The Energy Act 2011 contains powers so that from 2016 landlords should not be able to refuse “reasonable requests” for consent to install the Green Deal measures from their tenants.
From 2018 landlords should ensure their privately rented properties meet a minimum energy efficiency standard (likely to be set at Energy Performance Certificate (EPC) rating ‘E’ or that they have installed the maximum package of measures under the Green Deal.
Insulating your property helps improve a building’s energy rating.

Five things landlords needs to know:

  1. The current electricity bill payer always pays the Green Deal repayments. If the property is left vacant, you will need to make the repayments until a new tenant moves in and starts paying the electricity bill.
  2. Your tenant needs your permission before taking out a Green Deal. If your tenant wishes to take out a Green Deal Plan, they will first need your agreement to both the improvements and the financial aspects of the plan, like the amount of the repayments and how long repayments need to be paid for.
  3. You need tenants’ permission before you take out a Green Deal. Where the tenant is the electricity bill payer, they will need to make repayments for the Green Deal on their electricity bill. So you will need their express permission before taking out a Green Deal at the property.
  4. All improvements are quality assured. All improvements made under the Green Deal are completed by Green Deal Installers. This means the work is completed by professionals that meet Green Deal standards and are authorised to operate under the Green Deal.
  5. New tenants need to be aware of the Green Deal and acknowledge the repayments they need to make. When renting out a property with a Green Deal you need to provide the tenant with a copy of the Energy Performance Certificate (EPC) (or, in Scotland, the EPC and the Recommendations Report) showing:

• The improvements that have been made under the Green Deal;
• The repayment amounts the electricity bill payer needs to make;
• The length of the Green Deal;
• The name of the Green Deal Provider.
You will need to make sure that tenant acknowledges the Green Deal and the repayments by including standard prescribed wording.

Social housing landlords and tenants:

Social housing providers can play a number of different roles in delivering the Green Deal.
They could become Green Deal providers in their own right or they could work in partnership with others to offer economies of scale.
They could also have an important advocacy role.
Tenants will not be able to attach a Green Deal to a rental property without the consent of their landlord and landlords will need to gain the consent of a sitting tenant in order to attach the Green Deal charge to their electricity bill.

Further energy efficiency improvements which could be made to your rental property:

Improvements made under a Green Deal Plan come from recommendations which are made by a Green Deal Assessor.
The bill payer won’t be charged more than what a typical household expects to save in energy costs.
Actual savings will depend on how much energy is used at the property as well as the future prices of energy.

BOILER:
If the central heating boiler in a property which you rent out is inefficient and faulty, you may be able to have it replaced, for free, under the Government’s ECO Affordable Warmth Scheme.
Older boilers tend to lose a lot of heat so they use more energy. High efficiency condensing boilers and air or ground source heat pumps recover a lot of heat so they use less energy.

DRAFT PROOFING:
Gaps around doors, windows, loft hatches, fittings and pipework are common sources of draughts. Sealing up the gaps will stop heat escaping the home and your tenants will be able to turn down their thermostat.

WINDOWS:
Homes leak heat through their windows. By replacing windows with double or triple glazed windows, or installing secondary glazing to existing windows, the property can be kept warmer and outside noise could be reduced.

RENEWABLE ENERGY:
Renewable technologies like wind turbines, solar panels and heat pumps can capture energy and turn it into electricity or heat for the home.

LOFT INSULATION:
Heat rises and it may be leaking into the loft. Insulating the loft, or topping up the existing insulation, will keep heat inside the living spaces for longer.

Please contact us on 0800 7832 594 for further information on any of the above or click on the following link to contact us.

The Green Deal:
The Green Deal is a new government initiative that is designed to help business and home owners to employ more green technologies in their properties eg. insulation, heating upgrades, renewable energy products such as solar and heat pumps, and double-glazed doors and windows.

Green Deal and ECO:
The Green Deal and the ECO will help reduce carbon emissions from the UK’s domestic building stock, which is an essential part of the UK’s plan to meet its statutory domestic carbon emission reduction targets by 2050.

For more information visit www.gov.uk

Loft insulation – what’s it all about?

It’s never been more important to think about insulating your loft. Without proper insulation a lot of the valuable, expensive energy you use to heat your home will be lost through the loft. The recommended depth for mineral wool insulation is 270mm however there are other materials which require different depths.

  • Why insulate your loft?
  • What could you save?
  • Could loft insulation work for your home?
  • How do you insulate a loft?
  • Where can you go for more advice?

Why insulate your loft?

Loft insulation is an effective way to save energy and money at home. A well insulated house keeps warmth exactly where you need it – indoors.
So, insulating your loft – or topping up any insulation you have already – will help to heat your home more efficiently. Using less energy reduces carbon dioxide emissions (CO2): one of the biggest causes of climate change. You will also save money on your bills too.

What could you save?

Annual Saving Per Year Installed Cost Installed Payback DIY Cost DIY Payback CO2 Saving Per Year
(0 – 270mm) Around £145 Around £250 Around 2 years £350 Up To 3 years Around 730 KG
(50 – 270mm) Around £40 Around £250 Around 6 years £150 1 To 9 years Around 210 KG
  • Did you know there is C.E.R.T funding to insulate all private homes and tenanted properties.
  • Did you know that if your tenant is in receipt of certain benefits or aged over 70 years there will be no cost to insulate the property(ies) FREE INSULATION.
  • Did you know that if your tenant is not eligible for free insulation there is a grant of MORE THAN 70% towards the cost of insulating the property(ies).
  • Your property(ies) will increase in value as soon as it is insulated.
  • InsuHeat will organise the whole process of insulating your property(ies), all we need is your permission.
These are estimated figures based on insulating a gas-heated, semi-detached home with three bedrooms.

Loft insulation is effective for at least 40 years, and it will pay for itself over and over again in that time. The better insulated your home, the less energy you need to keep it warm – the more money you’ll save in the long run.
By saving energy, your household will produce less CO2. So, adding or topping up your loft insulation is a great way to do your bit – and reduce your impact on the environment. Plus, to save money on a professional installation, you can even do it yourself.

Did you know?
If everyone in the UK installed 270mm loft insulation, we could save around 520 million and nearly three million tonnes of CO2 every year. That’s enough to fill Wembley Stadium nearly 380 times.

For more information please call us on:
0800 7832 594

Why insulate your cavity walls?

Cavity wall insulation is an effective way to save energy and money at home. A well insulated house keeps warmth exactly where you need it – indoors.
So, insulating your cavity walls will help you to heat your home more efficiently. Using less energy reduces carbon dioxide emissions (CO2): one of the biggest causes of climate change. You will also save money on your bills too.

Cavity wall insulation can also help to reduce condensation inside the house if it is a problem on external walls.
What could you save?
Annual saving per year Around £110
Installed cost Around £199
Installed payback – Around 2 years
CO2 saving per year – Around 560kg

These are estimated figures based on insulating a gas-heated, semi-detached home with three bedrooms. The installed cost includes the subsidy available from the major energy suppliers under the Carbon Emissions Reduction Target (CERT); the typical unsubsidised installed cost is around 500.

Cavity wall insulation is so cost effective that it will pay for itself over and over again. The better insulated your home, the less energy you need to keep it warm – and the more money you’ll save.

By insulating your cavity walls you could cut your heating costs and, by saving energy, your household will produce less CO2. So, insulating your cavity walls is a great way to help fight climate change.

There are grants and offers available to help pay for cavity wall insulation – you can search our grants and offers database to see what’s available or call your local advice centre free on 0800 512 012, they’ll be happy to help.

Could cavity wall insulation work for your properties?

Generally speaking, your home will be suitable for cavity wall insulation if:

  • Its external walls are unfilled cavity walls.
  • The masonry/brick work of your property is in good condition.
  • Your cavity is at least 50mm wide.
If your home was built in the last 10 years it is likely that the cavity is already insulated. Some walls exposed to driving rain can also be unsuitable for cavity wall insulation. In all cases if you’re thinking about cavity wall insulation, always check with a registered installer who will assess whether your home ticks all the right boxes. Your local Energy Saving Trust advice centre can put you in contact with a registered installer – just call 0800 512 012.
In the meantime, find out how to identify if you have cavity walls.
Or, if you’re sure your home is not suitable for cavity wall insulation, why not think about solid wall insulation?

Did you know?

An un-insulated home loses around a third of its heat through its external walls. If every UK household that is suitable for cavity wall insulation installed it, we could save around 690 million and nearly 4 million tonnes of CO2 every year.

How do you get cavity wall insulation?

Call Insuheat on 08007832594

What is a registered installer?

We consider a registered installer for cavity wall insulation being one that is a member of any one of the following organisations:
1. The National Insulation Association (NIA)
2. The Cavity Insulation Guarantee Agency (CIGA)
3. The British Board of Agrement (BBA)

Two key things to look out for when considering an installer:
1. They sign up to a code of professional practice like those provided by the NIA
2. The installation is guaranteed for 25 years by CIGA.

For these installers, the job is simple, quick – and makes no mess. Typically, a home will take around two hours to insulate, depending on how big your house is and how accessible its external cavity walls are.

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Insuheat Ltd
Railway Lodge
31 Lane Green Rd
Bilbrook
West Midlands
WV8 1LR
Phone: 0800 7832 594
Fax: 01902 604 442