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Home insurance for underpinned house
Comments
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Here is a thought...
If I demolish the garage that has been underpinned ( its is anot atatched to the house) and rebuild it. will the whole clause of underpinned property be removed form the house?
Will I then be able to shop around normal for home insurance?0 -
helping_hand wrote: »Here is a thought...
If I demolish the garage that has been underpinned ( its is anot atatched to the house) and rebuild it. will the whole clause of underpinned property be removed form the house?
Will I then be able to shop around normal for home insurance?
You can knock it down if you wish and can then say to whoever that the unpinned detatched garage was knocked down. But I am not sure of the merits of this.
You can shop around anyway for Insurance as the property has not had subsidence. Only if a company asks about underpinning would you need to mention that a separate detached garage was underpinned, but this was not related to subsidence.The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.0 -
Having an underpinned property myself, I know the hassle and cost involved in insuring this.
However for everyone out there with older underpinned properties, I found some great news last night whilst looking for a new insurer.
Legal and General will insure an underpinned property IF the work was completed more than 15 years ago; at what appears to be no extra cost. I have just sorted out my buildings insurance with them this morning for around £240pa for my house which was underpinned in 1987/88
Apparently, speaking to the call centre agent, L&G consider that 15 years is long enough for any problems to re-occur.
Hope this is helpful; and spread the word ... maybe other insurers will start to follow suit.1 -
Thanks - Thats really useful info re legal and general.
We are looking at a house that has been underpinned and what has surprised me while doing the research is the number of properties affected and the lack of insurance companies willing to insure.
Its not like its a small minority of houses like those with thatched roofs.1
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