House in disrepair

Wig

Who will insure a house which is in the process of severe renovation?

No upstairs internal walls or ceiling, no floor boards, rendered not plastered walls, no electrics installed, virtually no plumbing, etc, however house is occupied downstairs only which is in normal repair.

Thanks

Mikeyorks

Somewhere like this :-

http://www.insurancechoice.co.uk/product/house/unoccupied-property-insurance/gaw298?gclid=CPu8t42qxqMCFYKY2AodUToXXw

Similar companies to the sort of specialists who deal with empty houses under Probate etc. If you Google 'empty house insurance' / 'insurance whilst renovating' etc - there's a reasonable choice. But they'll be more expensive & offer less cover than the norm.

vaio

Couldn't you argue that as people are still living there it's "normal maintenance"? Then presumably normal insurance will do

Wig

Asked the Customer service agent at direct line if they would cover under 'normal' insurance they said 'no' but it is just the opinion of one customer service agent at the end of the day.

Thanks for replies.

kBoothy

There are various insurers who will cover it subject to certain criteria. they may only offer basic FLEA perils and exclude malious damage and may ask for windows doors to be boarded up as well as letter boxes. They may also ask for pictures of the property and ask what work is left to be completed and how long will it take, they will also ask what is you intension, i.e. are you selling it after completion, renting or going to live there. I deal with allot of properties where major renovation work is needed and i am asked to cover them

vaio

by the sound of it you are dealing with empty properties, the OP is still living in theirs, sounds to me more like the high end of running improvements that lots of people do and should be covered by normal insurance.