An Energy Performance Certificate (EPC) from an accredited assessor is needed whenever a property is built, sold, or rented. In a block of flats, each apartment needs its own EPC.

An EPC gives a property an energy efficiency rating from A (most efficient) to G (least efficient) and is valid for 10 years. It includes information about a property’s energy use and typical energy costs and recommendations about how to reduce energy use.

While there is no minimum EPC for selling a property, lower energy efficiency ratings can be seen as a negative selling point in times of high-energy costs.

Minimum EPC ratings for rental properties

It is already the case that a property can only be let if it achieves an EPC rating of E or better. The minimum energy efficiency standards apply to all existing lets as well as older.

It was expected that the domestic Minimum Energy Efficiency Standard (MEES) would be updated and that the minimum EPC rating for let properties will be raised from E to C from 1st April 2025 for new tenancies and from 1st April 2028 for existing tenancies.

However, Rishi Sunak has since announced that new policies forcing landlords to upgrade the energy efficiency of their properties will be scrapped. The government wants to “encourage households to do so where they can”.

Energy saving tips

1. Update your lightbulbs

Replace any old bulbs with more energy efficient options, such as LED bulbs instead of halogen.

2. Don’t leave electrical items on standby

Use smart plugs to allow you to control what’s powered on by your smartphone. This can allow you to check you’ve not left anything on by accident.

3. Install a smart thermostat

Using a smart thermostat can allow you to turn the heating up or down via an app on your smartphone.

4. Check if your windows are due an upgrade

Making use of energy-efficient windows that effectively retain heat and prevent drafts can have a significant impact. Making use of energy-efficient windows that effectively retain heat and prevent drafts can have a significant impact.

5. Use insulating curtains

Your choice of curtains or blinds can also have an impact. Certain types can help to minimise heat loss during winter, resulting in a warmer home. Additionally, keeping them closed during daytime in the summer can help to prevent excessive heat build-up in your home.

Are you suitably insured?

Landlords can have specific buildings insurance needs. Check with your insurer to find out if you have suitable insurance for a residential let flat.

Blocks of Flats Insurance from Gallagher

We understand that cover and price are important to you, and we will search our panel of well-known insurers to help find you suitable protection. Use our quote form or call us on 0800 612 8631 for a quote.

The sole purpose of this article is to provide guidance on the issues covered. This article is not intended to give legal advice, and, accordingly, it should not be relied upon. It should not be regarded as a comprehensive statement of the law and/or market practice in this area. We make no claims as to the completeness or accuracy of the information contained herein or in the links which were live at the date of publication. You should not act upon (or should refrain from acting upon) information in this publication without first seeking specific legal and/or specialist advice. Arthur J. Gallagher Insurance Brokers Limited accepts no liability for any inaccuracy, omission or mistake in this publication, nor will we be responsible for any loss which may be suffered as a result of any person relying on the information contained herein.