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Unadopted Road and Insurance?
needinghelp2010
Posts: 3 Newbie
Hi
I'd appreciate any advice with this matter. We purchased a house 3 years ago. New development. The houses were all completed, but the developer went into administration before the road was fully finished (it has raised iron works and the kerbs/pavements are not complete at the entrance to the road). The developer had not been paying the bills for the tarmac crew, who subsequently stopped (fortuantely after the bit in front of my house was completed
)
The problem is that the road is not adopted. The road is not completed really. As noted there have been raised iron works and a couple of accidents (neighbours child was hit by a car due to the entrance not being sufficiently open). Also, my partner and one of the other owners is disabled and the inaccesible road/pavement is problematic/dangerous for all of us.
The builder didn't enter into a section 38 agreement and bond, and I can't see us getting money from them to complete due to administration process. The solicitors did retain 500 pounds from each of the sales of around 30 houses, but it is likley that the cost of making it adoptable is probably 4 times this amount.
Does anyone know if you can insure/indemnify against the cost of road charges brought to us in order to make the road adoptable? Is there anyway to encourage the council to adopt the road and subsidise the costs given we are meeting them part way. I know this issue is big, as it is recently been debated in the house of commons.
Would really appreciate the help.
I'd appreciate any advice with this matter. We purchased a house 3 years ago. New development. The houses were all completed, but the developer went into administration before the road was fully finished (it has raised iron works and the kerbs/pavements are not complete at the entrance to the road). The developer had not been paying the bills for the tarmac crew, who subsequently stopped (fortuantely after the bit in front of my house was completed
)The problem is that the road is not adopted. The road is not completed really. As noted there have been raised iron works and a couple of accidents (neighbours child was hit by a car due to the entrance not being sufficiently open). Also, my partner and one of the other owners is disabled and the inaccesible road/pavement is problematic/dangerous for all of us.
The builder didn't enter into a section 38 agreement and bond, and I can't see us getting money from them to complete due to administration process. The solicitors did retain 500 pounds from each of the sales of around 30 houses, but it is likley that the cost of making it adoptable is probably 4 times this amount.
Does anyone know if you can insure/indemnify against the cost of road charges brought to us in order to make the road adoptable? Is there anyway to encourage the council to adopt the road and subsidise the costs given we are meeting them part way. I know this issue is big, as it is recently been debated in the house of commons.
Would really appreciate the help.
0
Comments
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You do need to inform your insurers as this is a material fact which affects you public liability cover.
You cannot insure against the costs of bringing the road up to adoptable standard as this is a cost voluntarily incurred by you if you want the road adopted.
I think your only option is to sue the developer and join the queue of creditors.A kind word lasts a minute, a skelped erse is sair for a day.0 -
Owain_Moneysaver wrote: »
I think your only option is to sue the developer and join the queue of creditors.
Which in real terms means you will probably end up with very little if anything.If you are querying your Council Tax band would you please state whether you are in England, Scotland or Wales0 -
Owain_Moneysaver wrote: »You do need to inform your insurers as this is a material fact which affects you public liability cover.
It's unlikely to be of interest to the Home Insurers as virtually all of them define that they are covering upto the boundaries of your home so the road / pavement outside your boundary would not be covered0
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