Coal Authority Claim

tyler80

It feels like fibbing!

notts_phil

It isn't though. Am I right in thinking this is your first house purchase?

tyler80

Has your home had any underpinning or other remedial work or is it showing any signs of damage as a result of subsidence, heave or landslip?

So I can say say no to all these questions as the work wasn't carried out but would have to say yes if the work was carried out and therefore couldn't get this insurance. It just seems odd to me and defies all logic, but then when did insurance companies follow any logic?

I'd feel better if I could see something in writing that details that some coal authority claims are not required to be disclosed. As opposed to one random on the internet (no offence intended) :-)

notts_phil

It's not a case u wouldnt get insurance ..

As I said your obviously new to this.... Your putting to much emphasis on this British coal claim..

madmish00

If the schedule shows only cosmetic work and not structural repair work then I certainly wouldn't be saying that there has been remedial work for subsidence for the purpose of insurance. However, if you are that concerned about 'fibbing' as you call it, Legal and General only ask about the last 15 years and AXA only ask about the last 10. As it was in 1981 you could quite comfortably answer that question honestly by saying No.

You seem to know that all the other houses in the street had work carried out - how do you know this? Are there any people on the street that were in the houses in 1981 who you could ask about what happened?

tyler80

https://forums.moneysavingexpert.com/discussion/42241

Threads like the one above don't fill me with confidence

tyler80

Damage claim first filed in 1981, compensation paid in 1987. The houses are council/ex-council which is why I know about claims along the street. The council houses had work carried out, the house we are buying had no work done, was sold under right to buy and then compensation paid instead.