How will my property be assessed?
The Green Deal assessor will produce a Green Deal advice report produced up of two documents, an Energy Overall performance Certificate (known as an EPC, this rates your home’s energy efficiency on an A to G rating scale) and an Occupancy Assessment, which assesses how you use energy in your house.
EPCs are currently in use, as they’ve to be created when properties are sold or rented out. An EPC is really a basic assessment of the fabric of one’s home; it assumes how lots of people reside in the property and how they use their heating, so it doesn’t take account of your actual usage or power bills. The Occupancy Assessment is personalised to you and does assess your own energy use.
It is the EPC that is utilized to decide the quantity of Green Deal finance you are able to borrow. This indicates there’s a risk – particularly for low energy users – that the EPC could overstate just how much power you could save, which means that your repayments might be higher than your savings. Within this case, the assessor is required to obtain a written acknowledgement from you, displaying that you are conscious of this danger.
Are Green Deal assessors independent?
The assessor is needed to carry out an ‘impartial’ assessment, but isn’t needed to become independent of a business promoting energy-saving measures. The assessor should tell you if they are linked to other Green Deal organisations and whether they are on commission. The assessor might only attempt to sell you products at the exact same time as doing your assessment if they have your express consent before they go to.
Green Deal assessors will suggest improvements that are suitable for your property. The main requirement on assessors is to ensure that the package of measures they suggest meets the ‘Golden Rule’ (which remember does not assure savings), although this does not necessarily mean that it’s the extremely best package for you personally. You’re entitled to ask your assessor or provider if there’s an option package which will deliver larger power savings and/or at reduce cost.
If your assessor is tied to a particular provider (ie they are able to only suggest products provided by a certain business), verify whether or not they are only recommending the kind of goods or services that the provider sells, and ask about other choices.
It will likely be possible for you personally to get more than 1 Green Deal assessment and quote, but you might have to pay for every go to. So-called ‘free’ assessments might rely on you taking out a Green Deal with a particular provider, so watch out for terms and conditions on this before you have your assessment.
Can Green Deal providers sell other goods as well?
Yes, there is nothing to quit Green Deal providers promoting you all sorts of other home improvements such as furnishings, a brand new kitchen or bathroom, or decorating and building solutions. They just have to make the distinction clear to you. Which? is concerned that in these cases consumers may turn out to be confused as to what is being sold below the Green Deal and what’s not but is also becoming sold on credit. You can discover out more about our Green Deal campaign.
Is the Green Deal a government-backed scheme?
Not truly. It’s a commercial scheme with no government subsidy. Green Deal companies aren’t permitted to suggest that they’re suggested or approved by government, or that they’re working in conjunction or association with government.
However the Green Deal is backed by government-approved requirements and a code of practice giving extra customer protections should some thing go incorrect. For example, there is a Green Deal Ombudsman to assist deal with complaints, even though your initial port of call for any complaints ought to be the provider that you simply signed up with.
Would be the measures installed protected by warranties?
Green Deal cavity wall insulation
Most Green Deal measures come with a minimum five-year warranty and an extended 10-year assure to cover any building harm sustained as a result of the measures becoming installed. For solid wall insulation and cavity wall insulation, Green Deal providers should offer guarantees for each the improvements and consequential building harm for 25 years.
Should you’ve a problem having a item following the warranty has expired this would imply that you will nonetheless be paying to get a non-functioning product and can have no protection. That means that if, for example, your boiler breaks down following the five-year warranty period has elapsed, you will still need to make Green Deal repayments on it (even though these are limited towards the boiler’s anticipated lifetime), in addition to getting to spend for repairs or a replacement boiler.
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