An electrical Certificate of Verification (COV) for residential property can often be requested by insurance companies during the sale & purchase of property. In particular, older properties are more likely to receive a request for a COV from an insurance company. Insurance compliance is normally a vital requirement for banks to sign-off on mortgage settlement.
The purpose of the electrical COV is to verify the condition and safety of the electrical circuits in the property. Typically, the certificate covers verification of; ‘an existing installation on which no work has been carried out and is not subject to Regulation 73’
Situations in which COVs are commonly requested:
Electrical COV’s help to identify potential electrical hazards and provide peace of mind to individuals and a level of risk reduction to insurance companies & banks. Common situations when electrical COV’s are requested include:
- BUYING PROPERTY
- As a Pre-Purchase requirement for mortgage settlement (via the insurance company).
- As a Pre-Purchase reassurance measure or due diligence condition of sale.
- As a Post-Purchase reassurance measure to give you peace of mind.
- OWNING & MAINTAINING PROPERTY
- As an identification measure when you receive repeated ad-hoc and often intermittent electrical issues throughout the property.
- SELLING PROPERTY
- As a evidence when selling your older home or investment property.
Types of verification:
The time it takes to complete an on-site electrical COV inspection can vary. Typically, up to two hours on-site is common for an average sized home. Verification is classified as either: (a) Basic visual inspection; (b) Visual inspection and limited testing; or (c) Visual inspection and full testing.
Our standard residential home electrical COV is by Basic visual inspection
The verification process includes:
The visual inspection applies to the readily visible wiring and electrical items. An electrician will run through a checklist and grade a series of listed items that typically include:
- Main earth
- Hot Water System
- Light switches
- Light fittings
- Metal fittings earthed
- Condition of Cable
- Pipe Insulation
- Mains cable (to fully test mains cable an Electrical Inspector is required, thus it does not form part of our COV by basic visual inspection)
Ultimately, certification states: ‘I have carried out a Verification of the above installation in accordance with AS/NZS 3019:2007 and I certify the installation meets the requirements detailed in section 3, 4 or 5 of AS/NZS Standard for the issue of a Certificate of Verification’.
This will give you, your insurance company and your bank piece of mind that at this particular moment in time a qualified electrician believes the electrical condition of the property is safe.
Book a COV
Call the office on 09 379 9198
If you required the full testing of an Electrical Safety Audit & Report we can arrange an independent third party specialist inspector for this service. This service is often required by insurance companies for Commercial Buildings.