Help! cant get buildings insurance due to slight movement

debbie_metal

Can any one help me find buildings cover as I have been rejected by direct line, norwich union, and the aa due to slight movement in my house. I was previously insured by Zurich but we had told them there had been no subsidence, heave or land slip as thats what we thought. On reading my homebuyers report i realised there had been slight movement but that it was not serious or recent. At this point I had already cancelled my zurich policy from 1st may thinking i had a direct line one and now they will not insure us. Are there any companies that will cover us or anything we can do?

poundsshillingsandpence_2

is this a recent purchase ??

sometimes you can go back through the previous owners policy and claim through them ??

maybe this link will be able to give you some answers Insurance

Gibbonmaster

Hi,

If it was over 20 years ago some insurers will not bother that there was movement. I would recommend checking out an insurance broker in the yellow pages for a customised policy.

Alternatively an insurer can consider such a risk if you can provide them with a structural engineers report.

Gibbonmaster

Gibbonmaster

Oh sorry forgot to also advise pretty much all insurers will cover your buildings if movement or subsidence is specifically excluded. Don't know if you would want that though.

yenom_2

Hi I work for insurance co (zurich). You need to find oout who was insuring the prop at the time, and they have a legal obligation to insure you. If you can not do this, as Zurich was your last insurer, they also have a legal obligation to continue insuring you. Just need to give them as much info about the movement as you can.
Hope this helps.