Tree Surveys for Mortgage Lenders
April 28, 2016
Why do I need a tree survey for a mortgage? In recent years there has been an increase in tree related insurance claims. Many banks and building societies will now request a tree or aboricultural survey as a condition before mortgage approval. The role of the tree surveyor is to assess the direct and indirect […]
Why do I need a tree survey for a mortgage?
In recent years there has been an increase in tree related insurance claims. Many banks and building societies will now request a tree or aboricultural survey as a condition before mortgage approval.
The role of the tree surveyor is to assess the direct and indirect threats of the trees in relation to the property.
Direct threats are the risk of trees causing damage to the house, light structures and hard surfacing. A detailed structural and physiological assessment of the trees is undertaken. Species, height, diameter of trunk, height to crown and a detailed visual assessment is carried out with the aid of binoculars and if necessary an aerial survey may be needed. Diseases and fungal decay are duly noted and a sounding hammer is used in a targeted manner to test for any decay/dysfunction within the trunk.
Indirect threats are the risk of clay shrinkage or subsidence. We carry out a preliminary visual assessment of the soil by drilling three bore holes within the location of the trees to assess the shrinkage potential. Measurements of the location of the tree from the property are also taken to assess the impact of influencing distance. Influencing distance is defined as the distance given in the Kew Root Survey (Cutler and Richardson 1989) at which 75% of all cases of damage for a given species or genus has been recorded.
Clear advice and recommendations for pruning or removal of trees are given and if there is a need for tree work, an estimation of the cost for tree work is also provided.
Tree surveys for mortgage lenders are undertaken at a total cost of £230.00 with no added vat. We cover Cheshire, Merseyside, North Wales, Manchester and Shropshire. Our lead consultant is a Professional Member of the Arboricultural Association and an Associate Member of the Institute of Chartered Foresters.
Copyright: Peter O’Connor aka anemone projectors 11/08/212