Building insurers that don’t ask about structural movement

aliby21

[FONT=&quot]Just wondered, does anyone know of any companies for building insurance that don’t ask if there has been structural movement?[/FONT]
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[FONT=&quot](I’m looking at buying a house that has had some recent structural movement – crack in render due to ivy and/or tree. Not ongoing. No subsidence, heave or landslip so I can honestly answer ‘no’ to those questions.).[/FONT]
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[FONT=&quot]Thanks for any help[/FONT]

forgotmyname

Who are the current owners insured with?

aliby21

forgotmyname wrote: »

Who are the current owners insured with?

I don't know ......

vaio

was it reported to the current insurer? claim made? repairs done?

aliby21

Hi

It's not been reported to current insurers (I don't think current owners knew about it till after I had the survey done). No claim been made or going to be made. Repairs being organised.

opinions4u

I think you're bonkers even considering buying this place!

*Scarlett

Insurers may also ask about cracking in the building. If there has been movement possibly due to a tree then you should declare this - I think this is ground heave(?)

There are insurers that will consider previous issues for thes types of things but if it is an ongoing issue that has not been repaired you will probably struggle to find cover.

vaio

Unless you have firm (written) evidence that it is structural movement then I'd regard a crack in render as a maintenance issue and deal with it as such.

if you do have evidence that it is structural movement then I'd walk and find somewhere else as movement that is not related to foundations is a can of worms to be avoided

aliby21

thanks everyone, whole range of different ideas there!