Cannot get insurance quotes on new property

cherry76

The house I am buying will need to have some work done. The chimney breasts need to be supported. They were removed ages ago and present owners were not aware of this. I cannot get any insurance but EA said, I could ring the sellers current insurance company and ask whether they will transfer their insurance in my name. Sellers will take money off asking price to reflect the work. Are the insurance companies right to decline insuring me? I do not see why? Thanks

Doozergirl

Are you telling them the chimney breasts need supporting?! If you stick risk in their faces, they're not going to take your business. They're completely right not to accept your business when you're telling them the house is structurally unsound.

If it's not going to fall down tomorrow (which it obviously isn't if it's been like that for donkey's years; the insureres will not see it like that), then get the work done immediately and get yourself insured. Or get yourself insured and get the work done immediately Minimise the risk to yourself.