Indemnity Insurance

alanjmil

Hi,

I am in the process of having an extension built to our house. Looking through the deeds of the house there seems to be a covenant stating that to build an extension etc.. I need to ask for permission first.

After trying to look up the person I have to ask ( I think he was the builder of the property ) on the internet it seems that the company is now dissolved.

This covenant was on the deeds since 1959.

So I have asked around what I should do and have been advised by various people that I should take out an Indemnity Insurance. Is this the right thing to do, and if so where can I get hold of the right one I would need ?

Thanks
Alan

lisyloo

You would probably be best off going to a conveyancing solicitor.
This might cost a bit of money but it's best paying a solicitor to get it sorted (compared with having to take your extension down later on).

These insurances are usually about £50 but insure you against the chance of the builder turning up and insisting that the covenant be enforced and the extension taken down.

The chance of that happening is very very small but generally these kind of insurance policies give people peace of mind.

alanjmil

Hi,

Thanks for replying to my problem. Would you know of any insurance companies you would recommend I should try?

Thanks
Alan