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Inability to obtain house insurance
robint_2
Posts: 38 Forumite
My brother's house sale is being held up because one of the buyers in the chain cannot get insurance because the house they are buying had windows fitted without planning permission. It is a Grade 2 Listed building and the buyers knew that the windows needed replacing in accordance with listing requirements.
Just wondering if anyone knows of an insurance company who would be able to cover this and would be interested to know if anyone who has experienced this problem before.
Just wondering if anyone knows of an insurance company who would be able to cover this and would be interested to know if anyone who has experienced this problem before.
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Comments
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your first port of call would be for the buyer to approach the current insurers of the property and ask if they will continue to insure it.I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.0
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Many thanks silvercar for your reply. According to my brother's solicitor they have tried most large insurance companies, so I think the present owner's did not have their house insured.
Does anyone know of any insurance brokers who could obtain quotes and, if so, could anyone recommend?0 -
I don't understand why home insurance should be affected by having the wrong type of windows.I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.0
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hmmm this all sounds a bit fishy to me. I am surprised that the windows have been allowed to remain if they do not comply with the GradeII listing... usually the powers that be would ask for them to be removed and replaced according to the listing requirements. The solicitors should be on to this and sorting it out.
The only problem I;ve encountered with insurance probs was on a house that had subsidence and underpinned.. you could try the website for PUPS (previously underpinned propeties) http://www.bureauinsure.co.uk/subsidence_insurance.htm
but I'm not sure if they cover the problem you describe. I'll ask about at work on monday and get back to you if i find anything out...0
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