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Indemnity Insurance and Buildings Insurance

stressed_buyer
Posts: 1 Newbie
I am new to this site, but would like some help!!
We are in the process of buying a house, which has not had proper building regulations for removing the chimney breast.
It was done over 3 years ago, and the sellers have offered indemnity insurance.
Would i still be covered by my buildings insurance if the chimney collapsed the day after i moved in? The home-buyers survey we had done stated there were no signs of distress due to the removal.
Now we are confused and don't know what to do!
We are in the process of buying a house, which has not had proper building regulations for removing the chimney breast.
It was done over 3 years ago, and the sellers have offered indemnity insurance.
Would i still be covered by my buildings insurance if the chimney collapsed the day after i moved in? The home-buyers survey we had done stated there were no signs of distress due to the removal.
Now we are confused and don't know what to do!
0
Comments
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probably, not sure if they could find out. I say that with a lot of caution though as non-disclosure is the number one reason for insurance claims, of all kinds, to be turned down.
3 years is not a long time, not wanting to scare you but recently saw one that had taken about 15 years to bring the wall down.
But that aside, just because it doesn.t have BR doesn,t mean it hasn't been done properly. Is there any way you can find out how it was done.0 -
I purchased my house 2 months ago and had to take out 2 indemnity insurances, both related to the conservatory that had been erected, one to cover a detail in the deeds covenant and the other to cover the lack of buildings regulations. In both instances I had to cover the costs of putting the indemnity in place, so I can only suggest that it is a good thing that the seller has offerred to pay these costs for you. Note that the indemnity insurance will be valid should you want to sell on, so a good thing to have in place. As for your question regarding your insurance, I would suggest that you contact your insurance company and ask them the question, making sure that they are aware of the indemnity policy.0
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Why do people do works without getting Building Regs? Ignorance, stupidity or because they are doing it on the cheap and know they won't pass.
Do you want to take the risk of living in a potentially dangerous house, with or without the insurances?0 -
Why do people do works without getting Building Regs? Ignorance, stupidity or because they are doing it on the cheap and know they won't pass.
Do you want to take the risk of living in a potentially dangerous house, with or without the insurances?
Maybe because they had no plans to move house at the time of the works or were not aware that regs were required. I plan to stay in my house for the rest of my life so will not bother with buildings regs for any work I do. Either way it's nothing that £150's worth of indemnity insurance can't overcome.0 -
£150 of indemnity insurance? Don't bother! Get the current owners to apply for a regularisation certificate from Building Control and then that way you know you are buying a house that is stable.
Regularisation certificate from Building Control will be about 60 - 75quid and if there's nothing wrong with the chimney then brilliant. If there is something wrong, then they will have to put it right - at their cost not yours. After all, it's their fault for not getting building regulations in the first place!0
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