INCLOVER. Ideas to utilise your home both cost effectively. AND beautifully. Your home improvement magazine. Summer 2015

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1 Summer 2015 INCLOVER Your home improvemet magazie The people who realise the projects P3 Advice o expadig your home P4/5 Re structurig with eergy efficiecy P6/7 Paymet optios to spread the cost P8/9 Usig reewable fuel to heat homes P10/11 Ideas to utilise your home both cost effectively AND beautifully Everythig to kow about Biomass P12/13 Flat roof advice ad logs to bur P14/15

2 Welcome to iclover Summer Show dates ad the begiig of 2015 has bee busy i the Clover household ad we have lots of ews! We are delighted to have bee approved as a Which? Trusted Trader, as well as achievig membership of The Best of Malver Hills ad The Best of Hereford. We have bee grated a cosumer credit licece which meas we are ow able to offer fiace, see more o pages 8 ad 9, ad are excited to get goig with our ew recetly-istalled log-burig Biomass heatig system. Together with our trusty Dea Forge wood-burig stove, we re lookig forward to beig super toasty here this witer. We d love to show it off, so if you re iterested i takig a look, please get i touch - we ve writte a little more about it o pages 12 ad 13. This issue showcases more of our work, with befores ad afters, together with our customers commets o what it s really like to have us i their homes. So, whether you re lookig for a complete reovatio or extesio, ew widows or a supplier of logs, we ca help! Simo ad Hele Tiso Directors Aoucemet! We are thrilled to aouce that i July 2014 we were approved a Which? Trusted Trader, helpig us to stad out from the crowd. The scheme is desiged to assist homeowers fid reliable, resposible busiesses who have bee thoroughly vetted ad are assured to offer excellece i both quality of work ad customer service. We ll be exhibitig at these four local shows, which provide the perfect opportuity to come alog ad have a chat if you have a project i mid. Sprig Gardeig Show, 7-10 May Three Couties Showgroud, WR13 6SP Bromyard Gala, 4-5 July Bromyard, HR7 4JY Wellad Steam Rally, July Woodside Farm, Wellad, WR13 6LN Autum Show, September Three Couties Showgroud, WR13 6SP Stephe McCluskey, Maagig Director of Which? Trusted Traders said: We are delighted to aouce Clover as a Which? Trusted Trader. Our Which? Trusted Traders service gives cosumers the cofidece to make the right choices whe it comes to fidig skilled professioals ad we re pleased to be able to give traders the chace to distiguish themselves from their peers. We have used Clover before & we were eve more impressed the secod time, ad they had become Which? accredited. This compay offers extremely friedly service, delivers o its promises ad timigs, ad provided us with a highly efficiet job, professioally carried out. We have recommeded them to frieds already. We wat you to love the work we do for you ad to love how we do it. Meet the team We have a small, highly skilled, experieced team who have a reputatio for friedliess ad attetio to detail ad receive may commedatios from satisfied customers. We ca also call upo a umber of reliable tradesme who work with us o a more iformal basis so we ca offer the very best ad most appropriate skills for your project. Simo Tiso, Da Steveso, Ashley Holmes ad Coli Watkis Simo Bludell The upvc Team: Simo Bludell is our Surveyor ad Istallatios Maager ad Roy ad Jack Dugga, a father ad so team with may years experiece, who specialise i istallig widows, doors, coservatories, garage doors ad rooflie istallatios. Hele Tiso ad Joae Tiso The Buildig Team: Simo Tiso, our Maagig Director, experieced plumber, geeral builder ad HETAS egieer! Da Steveso, Ashley Holmes ad Coli Watkis. Simo ad the buildig team approach every project with skill, experiece ad eergy. Roy ad Jack Dugga The Admi Team: Hele Tiso is our Compay Secretary, who is resposible for accouts, marketig ad huma resources, ad Joae Tiso is our Customer Liaiso Maager. Jo offers a sigle poit of cotact to esure that customer eeds are fully met throughout the project or to aswer ay queries that may arise. P2 Summer 2015 tel: P3

3 Need more space? A extesio will almost always add value to your home, so log as it is doe properly. Our advice is to research everythig the call i professioals to create a stuig desig ad guide you through importat plaig regulatios. Extedig your home is all about icreasig livig space ad the beefits that come with it. Perhaps makig the home you have work for a growig family s chagig eeds, accommodatig a elderly relative or simply fulfillig a ambitio for that stuig kitche dier that exteds to the patio ad garde with beautiful bi-foldig doors. Coservatories A coservatory adds space ad value to your home, is flexible i use ad is geerally a more cost-effective optio tha a traditioal extesio or coversio. We ve kow them become diig rooms, livig rooms, play-rooms ad garde rooms to ejoy suy days! From traditioal to cotemporary styles, coservatories ca be costructed i a umber of desigs to suit all house types. Whichever desig you choose, all offer a flexible rage of frame colours, roof systems, door ad widow layouts. Our coservatories are costructed usig a solid, isulated base, upvc frames fully reiforced with steel, ad tougheed low eergy K glass to help regulate heat. We ca complete all iteral works icludig your electrical requiremets, certified to NAPIT stadard, floor tilig ad, should you wat extra privacy, istallatio of widow ad roof blids. Rules & Regulatios Permitted Developmet Permitted developmets are chages ad additios you ca make to your home without applyig to your local authority for plaig permissio. These rights are more restricted i some areas, for example coservatio areas, areas of outstadig atural beauty, atioal parks to ame a few, ad it s importat to ote that local authorities ca withdraw some permitted developmet rights. We are delighted with our ew coservatory it really does make a attractive, good quality additio to our home. There are of course rules ad regulatios that must be adhered to whe extedig your home. Our advice is always, if i doubt, check with your local plaig authority. So if you live i such a area, or you re ot sure whether your project falls withi the remit, our advice is to talk to your local Plaig Officer. Listed buildigs are also a exceptio to permitted developmet rights. Buildig Regulatios Buildig regulatios are rules applied to all buildig work. There are fourtee sectios each dealig with a specific area of work, for example Part A Structural Safety, Part F Vetilatio, Part L As I was t livig o site durig the work it was reassurig to hear from several of my eighbours how hard-workig, cosiderate ad polite the Clover team were. Nothig has bee too much trouble ad I am delighted with the reovatio of my ew home. Mrs T. Loft & Garage Coversios Covertig the loft or garage (or loft ad garage!) i your existig home is provig to be a really sesible optio for a lot of homeowers. If you like where you live ad ca t face the upheaval of movig (it is reported that research has show that the stress of movig house is o a par with that of gettig divorced!) but simply eed more livig space, covertig the space you already have is a really viable optio. Loft ad garage coversios ca icrease the Eergy Efficiecy or Part N Glazig. Uless our cliets have a architect o board to project maage the build, we always take cotrol of the buildig regulatio applicatio ad co-ordiate ispectios with the Buildig Ispector. More detailed iformatio ca be foud o your local authority website, but to summarise: There are two types of buildig regulatio: A buildig otice is required for mior work such as relocatig a bathroom, covertig a loft or garage or makig ay structural chages. Replacig widows ad doors also falls ito this category, which is why it is importat to choose a FENSA registered compay who ca do this for you as part of the istallatio. value of your home by up to 10-15% ad ca provide extra space which could trasform your family life. Perhaps a extra bedroom with esuite, a games room or de for the childre or a home office would make all the differece. There are some thigs to cosider, for example what to do with the bits ad bobs already i the loft or the garage, the additioal pressure o existig cetral heatig ad plumbig systems, light, heat ad vetilatio requiremets but these are all thigs that we ca help with. Our team covers all the trades you will eed so your project is safe i our hads. The buildig ispector will visit the site at set itervals to ispect the work ad esure the regulatios are beig met. A full plas applicatio is required for major works, such as a large extesio ad detailed plas must be submitted to the local authority before work starts. Agai the buildig ispector will visit the site at set itervals to ispect the work ad esure the regulatios are beig met. Detailed iformatio o all aspects relatig to plaig ca be foud o the Govermet s Plaig Portal at permissio/resposibilities P4 Summer 2015 tel: P5

4 Rooflie: The fascia ad soffit system o a house, ofte referred to as the rooflie, is the fiishig where the rafters of the roof meet the exteral wall. Without it, the edge of the roof would be exposed ad ope to erosio ad decay over time. It provides both a decorative ad protective fiish to the roof area....ad after Eergy Efficiecy: Replacig your widows with eergy efficiet widows ca save moey ad reduce your carbo footprit. Old ad sigle glazed widows ca be a major source of heat loss i the witer, which icreases both the carbo footprit of the property ad heatig costs. The British Feestratio Ratig Coucil Limited (BFRC) widow ratig system has bee developed to address this problem ad allows you to compare the eergy efficiecy of differet products. Widows are curretly rated from A to C, similar to those you see whe buyig white goods. I this case, they idicate the combied eergy efficiecy of the frames ad glazig. The higher the ratig, the better the widow at reducig heat loss. Beautiful looks with beefits! Mr. ad Mrs M. Case Study: Mr. ad Mrs M. iherited this three bedroom Worcestershire bugalow set o the side of a hill with woderful views. They bega to moderise ad re-structure the property to make it a more comfortable home. We were asked to replace the old timber fascia ad soffit boards with Light Oak upvc boards, ad to replace the cold alumiium widows with moder woodgrai-effect Light Oak A-rated widows ad doors, which we thik look great. Mr. ad Mrs M. will ow ejoy the beefits of beautiful lookig, eergy efficiet, easy to maitai widows ad ca be reassured that the rooflie is ow protected agaist the elemets. Stylish, eergy-savig with very little maiteace, istallig xx moder double glazig ca brig may beefits: With tailor made desigs to reflect the age ad style of a property Strog, secure upvc costructio meas they ll ever rot, warp or require repaitig Advaced glazig techologies egieered to give you a comfortable, secure, quiet, eergy efficiet home Lockig mechaisms ad hardware awarded the Police Secured by Desig accreditatio for complete peace of mid...ad after...ad after upvc Work Udertake We were very pleased with the results of workig with Clover. They always arrived o time, the site was always left clea ad tidy at the ed of the workig day ad they did a very good job. Mr ad Mrs M. How your widows eergy ratig is calculated: Eergy efficiet widows allow eergy from the su to pass through the glass allowig the warmth of the su to heat your home. At the same time, a glass coatig reflects heat o the iside back ito the room rather tha allowig it to escape. Eergy ratigs ca be icreased with argofilled glass uits ad warm edge spacer bars (the bar which holds the two paes of glass apart). These slow the trasfer of heat from the ier pae to the outer pae. Widows Period style widows Frech doors ad Patio doors Composite doors Bi-foldig doors Coservatories ad Orageries Fascia, soffit ad uder eaves protectio P6 Summer 2015 tel: P7

5 Ad ow you ca spread the cost.. We are pleased to be able to offer paymet optios that ca be used to fiace ay of our projects. Workig with Pay4Later, oe of the UK s fastest growig providers of poit of sale fiace, ad usig a system desiged aroud a paperless e-sigature process, the Pay4Later platform allows customers to apply ad complete their credit applicatio olie. It takes less tha 5 miutes to complete with a istat decisio ormally i less tha 5 secods! Customer fiace is provided by Ratesetter. Credit is provided subject to status. Please ote: we ca oly istall goods ad services to the registered address used i ay fiace applicatio. How to Apply You ca apply for credit i several ways, via to hele@cloveryourhome.co.uk or over the telephoe o ad Hele will complete a applicatio form with you ad the lik for you to complete the applicatio olie directly with Pay4Later. However you apply, it s quick ad easy. Do I Have to Pay a Deposit? Yes, a miimum of 25% deposit is payable by debit or credit card upo acceptace. Qualifyig for Credit Pay4Later will coduct the ecessary credit checks i order to cofirm your eligibility for the credit applicatio, but i essece you must meet the followig criteria: You must be over 18 years of age You must be a UK residet with at least 3 years cotiual address history (this ca be your previous address if you have recetly moved) You must be i full time employmet, uless retired or a house perso with a spouse i full time employmet You must have a bak accout capable of acceptig Direct Debits The goods must be istalled at your home address How Do I Make My Mothly Paymets? All mothly paymets are paid by direct debit from your persoal bak accout. Typically the first paymet will be due oe moth after the date of the fiace agreemet ad subsequet mothly paymets will be due every moth for the legth of your term o that day of the moth. How Much Ca I Borrow? We ca offer fiace from 900 to 7500, though this does ot have to cover the etire cotract value. For example, you could add a fiaced sum of 7500 to existig savigs to cover a higher value cotract. Fiace over 7500 is available with 19.9% APR. Represetative Example of Credit: Purchase Price 5000 Total Repayable Deposit 25% 1250 Total Iterest Payable Amout of Credit 3750 Mothly Paymets No. of Repaymets 12 APR Represetative 9.9% Clover Coservatories ad Costructio Limited acts as a credit itermediary ad oly offers credit products for Pay4Later Limited via Ratesetter. Credit is provided subject to age ad status. Ca I Repay my Loa Early? Yes, you have the right to repay all or part of the credit early at ay time. Simply cotact Ratesetter directly ad they will calculate ad sed you your settlemet figure. Your settlemet figure ad date are calculated i lie with the Cosumer Credit Act. What Products/ Services Ca I Purchase? You ca purchase ay of the services or products we offer. What Legth of Repaymet is Available? You ca choose from a 12 moth repaymet period at 9.9% APR; 24 moth repaymet period at 11.9% APR; or a 60 moth loa repaymet period at 19.9% APR. P8 Summer 2015 tel: P9

6 Reewable fuel s a welcome glow With eergy prices risig ad cocers about the evirometal impact of usig fossil fuels, may people are lookig to reewable fuels to heat their homes. A wood-burig stove could be the ideal solutio for your home, ot oly offerig excellet fuel efficiecy (up to 85% efficiet compared to ope fires which ca ru at just 20%) but also addig style ad a welcomig glow to your livig room. Livig i a smoke free zoe? No problem. There are may models available that use a pre-heat air wash to bur off more of the smoke gases, ad are approved for use i smoke free areas. Mr. ad Mrs W. Case Study: For Mr. ad Mrs W. we removed the existig fireplace to ope up the chimey breast, plaster-boarded ad skimmed ready to decorate ad arraged for a beautiful piece of graite to be fitted to the back ad sides of the ew fire box, agai supplied ad fitted by Tudor Graite of Tarrigto. The Aduro 1-1SK stove with a stuig soapstoe surroud was the fitted ad coected to a ew flue system liig the chimey....ad after Mr. ad Mrs H. Case Study: Mr. ad Mrs H. opted for the Newboure 40FS multifuel stove, a stylishly desiged, beautifully The Aduro with soapstoe made stove with a sleek curved door ad large widow to view the fire burig. The clea bur performace eables the stove to ru at efficiecies of up to 80%. The stove was coected to a exteral stailess steel chimey stack, ad a gorgeous graite hearth ad back were supplied by Tudor Graite of Tarrigto. Mr. ad Mrs H. the chose from our ew rage of timber beams ad surrouds to complete the look. Thak you for all you have doe. We love our ew toy, it keeps the whole house warm ad looks great! Mr. ad Mrs H, March 2015 The Newboure 40FS multifuel stove fully istalled ad i use We d like to thak all cocered at Clover that had a iput ito the seemless alteratios ad fittig of our ew Aduro wood burer. If ayoe readig this is thikig of havig house alteratios or specifically wood burig stove fitted, the we would ot hesitate i recommedig Clover. Thaks agai. Mr ad Mrs W. Jauary 2015 Fully traied ad registered with HETAS (the Heatig Equipmet Testig ad Approval Scheme), our fitters are skilled ad qualified so you ca be sure you re i safe hads. P10 Summer 2015 tel: P11

7 We are very excited i the Clover office at the momet, feelig the immediate beefits of our ew Log Boiler Biomass System, istalled this week by Eergy Solutios Malver. Our ew radiators are simply beltig out the heat ad it feels lovely! The ew system will ot oly heat the Clover office, showrooms ad coservatory, but will exted ito Simo ad Hele s home to provide ew cetral heatig to some rooms previously oly heated by a wood-stove, ad to replace a rather old ad iefficiet oil boiler heatig the rest of the house. So what exactly is Biomass? Biomass i simplest terms is material from plats or aimals that ca be used to produce eergy, a reewable, low carbo fuel. Correctly maaged, biomass is a sustaiable fuel that ca deliver a sigificat reductio i et carbo emissios whe compared with fossil fuels. Joi the biomass bad! We have bee thikig about replacig our old oil boiler for a few years ow, it fails most witers (iroically except this oe) ormally requirig ew parts ad a lot of goodwill to get it goig agai. We wated to istall a reewable system if at all possible ad, after a lot of cosultatio ad cosideratio, we fially settled with the Frolig S4 Turbo Log Boiler. Oe fill ca bur for up to hours whe the system is i low demad, keepig the heat ad hot water tickig over. We are expectig to fill twice a day durig the coldest moths, but this is still less work tha we are used to. The system was itegrated with our existig radiators ad ew radiators were added where eeded. The boiler istallatio was completed ad lit two days ago, ad we are already delighted with it. It s a wi/wi really, the costat warmth feels so luxurious usig guilt-free reewable techology, lower ruig costs, ad, with the beefit of qualifyig for govermet RHI paymets, it is a great ivestmet too! Simo ad Hele Tiso, March 2015 Types of Biomass Boiler There are three mai types of biomass boiler, logs, wood-pellets ad wood-chip. All biomass boilers geerate heat from the combustio of fuel i a chamber where the coditios are cotrolled to be as efficiet as possible meaig that a very large proportio of the available heat is used productively. Our boiler should covert up to 95% of the woods eergy ito usable heat. A Carbo Neutral Fuel Burig biomass does release carbo dioxide, however it is oly the same amout that was absorbed by the plat whe it was growig. Biomass is therefore a carbo eutral fuel plats take carbo out of the atmosphere while they grow ad retur the same amout back whe they are bured. Reewable Heat Icetive Biomass boilers are eligible for the govermet s RHI schemes offerig a fiacial icetive to promote the use of reewable heat. The domestic scheme offers paymets for 7 years ad the o-domestic scheme for 20 years. For more iformatio ad tariff details, have a look at the Ofgem website. P12 Summer 2015 tel: P13

8 Solvig flat roof problems We are delighted to aouce that Simo ad Da are ow qualified to istall the ClassicBod EPDM membrae FLAT ROOFING SYSTEM. Perfect for refurbishmets ad ew projects, this system is strog, flexible ad durable, evirometally friedly, maiteace free ad has excellet resistace to pucture, extremes of temperature, UV ad ageig. Icreased supply for demad We bega processig logs i 2011 ad a ever-icreasig demad has led to our ivestmet i ew processig equipmet, which meas we ow process more efficietly. We ca also process to specific legth requiremets, for example, if you have a particularly large or small firebox, or if you require wood for a specific purpose, we ca process our wood to suit. Ad ow is the perfect time to buy ad store your wood ready for witer... Sigle bag of processed logs Uprocessed woods It is more ecoomical to buy your wood earlier i the year before it is fully seasoed, store it at home ad allow the dryig to cotiue through the summer ready for use i the autum ad witer moths. Call us ow to order yours at a discouted rate for deliveries before the ed of August. The techical bit: I its typical form for roofig applicatios, EPDM sheetig is a cured, or vulcaized, material ad is thus classified as a thermoset. Simply defied, this meas that the polymer s molecular structure is set as a result of heatig durig the maufacturig process. The chais of the polymer are joied together, or cross liked. By the time the fiished membrae is packaged for shippig, it is fully cured. Our ew machie EPDM Will my roof coverig last i excess of 50 years? 4 Is it evirometally friedly? 4 Is it easy to istall? 4 Will the coverig have Superior flexibility ad high stregth? 4 Ca the coverig easily cotour to fit a uusual roof shape? 4 Is it easy to repair ad ca I do it myself? 4 Is it UV resistat? 4 So if you have a flat roof i eed of attetio, we ca help so please give us a call! Our wood is a mixture of hardwoods, icludig Ash, Oak, Chestut ad Beech which has bee bar-stored to esure it is fully seasoed. The wood is stored i veted bulk bags, allowig the wood to breathe ad cotiue to seaso, ad ca be collected or delivered free withi 10 miles - we re happy to stack them for you too!! New for 2015: Small etted bags of seasoed split logs (above) ad our Jumbo sized cubic litre bag (right) (Iformatio provided by maufacturer) P14 Summer 2015 tel: P15

9 We ve used Clover for all our major works, there is o compariso really to other compaies. We ca rely o you, you re here whe you say ad we re always fully satisfied with the stadard of work. There is the added reassurace that you re always available i the evet of ay problem. I m absolutely thrilled with the widows, the service, the cosideratio ad calls. May thaks from a delighted customer. We absolutely ca t fault Roy ad Jack. I feel comfortable havig them aroud the house - they do t stop workig! What we ca do for you Coservatories, replacemet widows ad doors Automated garage doors Rooflie ad gutterig New build Extesios, loft ad garage coversios Plumbig (Gas Safe registered istallers) Electrical work (certificated to NAPIT stadard) Wood-burig stoves Bathroom/kitche refits Geeral home improvemets Ad much more. Call Clover if your project is t listed here. 25 thaks for ew biz Please tell your frieds about Clover. We ll give you a 25 gift voucher or make a doatio to a charity of your choice if we complete work for someoe you ve recommeded us to. Just ask your frieds to remember to tell us. Fid out more about Clover Call or freephoe ifo@cloveryourhome.co.uk Visit Or view a rage of products at our offices: Pichells Place, Wall Hills Farm, Hereford Road, Ledbury, Herefordshire, HR8 2PR. tel: freephoe ifo@cloveryourhome.co.uk fax: Clover Coservatories ad Costructio Limited, Pichells Place, Wall Hills Farm, Hereford Road, Ledbury HR8 2PR