1. Introduction
Building work should improve your property, not leave you out of pocket. But many UK homeowners face issues with poor workmanship, incomplete jobs, or builders abandoning projects. If this happens, you may be entitled to claim losses from a builder UK under consumer law.
2. Legal Protections for Homeowners
You are protected by key UK laws:
- Consumer Rights Act 2015 – building services must be provided with reasonable care and skill, at a fair price, and within a reasonable time.
- Supply of Goods and Services Act 1982 (for older contracts).
- Misrepresentation Act 1967 – if the builder made false claims to gain your business.
If the builder breaches these duties, you may claim compensation for your losses.
3. Types of Losses You Can Claim from a Builder
- Cost of repairs – hiring another builder to fix defective work.
- Loss of value – if poor work reduces property value.
- Delay-related losses – extra rent, storage, or accommodation costs if the project runs late.
- Refunds for overpayment – where the builder charged for work not done.
- Consequential losses – financial losses caused by the builder’s breach.
4. Evidence You Need to Claim
To make a successful claim, collect:
- Written contract or quote (if available).
- Emails, texts, and messages with the builder.
- Photographs of the work.
- Expert reports (e.g., from surveyors or alternative builders).
- Receipts, invoices, and payment records.
5. First Steps Before Making a Claim
- Raise the issue with the builder – give them a chance to fix the work.
- Set a clear deadline in writing.
- Request a refund or compensation for defective or incomplete work.
- Keep records of all communications.
6. Formal Complaint and Legal Action
If the builder refuses to cooperate:
- Send a letter before action stating your claim, amount, and evidence.
- Allow 14 days for a response.
- If ignored, escalate to court.
7. Small Claims Court (Up to £10,000)
- Claims under £10,000 can be made in the Small Claims Court.
- You don’t need a solicitor, but legal advice can strengthen your case.
- Evidence (photos, reports, invoices) will be key to success.
8. Larger Claims – County Court and Beyond
For claims over £10,000:
- The case may be allocated to the Fast Track or Multi-Track in County Court.
- Solicitors are recommended due to higher complexity.
- Expert witnesses (surveyors, structural engineers) may be required.
9. Alternative Routes to Compensation
- Trade association complaints – if the builder is registered with FMB, TrustMark, or similar.
- Insurance claims – if your contract or home insurance includes cover.
- Credit card / PayPal protection – Section 75 claims for payments over £100 by credit card.
- Chargeback – for debit card payments.
10. Preventing Future Builder Disputes
- Always insist on a written contract with clear terms.
- Use payment schedules instead of large upfront payments.
- Check builder reviews and qualifications.
- Keep all communication in writing.
Frequently Asked Questions
1. Can I claim money back if a builder did a bad job?
Yes, you can claim for repair costs, refunds, and compensation under the Consumer Rights Act 2015.
2. What if I have no written contract?
You can still claim using invoices, texts, and photos as evidence. Verbal agreements are legally binding.
3. Can I stop paying my builder?
Yes, if work is defective or incomplete, you may withhold payment. But pay for the work already completed to avoid disputes.
4. How long do I have to make a claim?
Generally, you have 6 years from the date of breach (12 years if the contract was signed as a deed).
5. What if the builder refuses to pay compensation?
Escalate with a letter before action, then file a claim in the Small Claims Court or County Court.
6. Can I sue a builder for delays?
Yes, if delays caused financial loss (e.g., rent, storage, or lost business).
Conclusion
If you are claiming losses from a builder UK, the law is on your side. You can recover money for poor workmanship, unfinished jobs, and financial losses caused by the builder. Start with direct communication, escalate with formal letters, and if necessary, take legal action. With strong evidence, you can protect your property and finances.