Lack of Final Certificate for Building Regulations

davidmcn

Fed wrote: »

Ring round different issuers asking for quotes and clarify if they are happy to insure on the property without the building regs.

You're more likely just to have longwinded conversations with call centre droids who are confused about you asking off-script questions. I've never seen anything about this on a proposal form or buried in a policy - and even if it were, I'm not sure how an insurer would justify it.

What people who bring this up might be thinking is, "does the insurance cover the risk of the extension falling down because the building work was substandard?" - to which the answer is no, but that's also the case if it did have all the paperwork!

cjmillsnun

The council was aware of the works, yes, but has not actively pursued this since 1987. I doubt you would have a problem with an indemnity policy.

arciere

I just had a reply from my solicitor, my question to him was if the buildings insurance can be affected by this lack of building regulations.
His reply was that apparently we are not taking over the current insurance, so we will need to arrange for our own. In addition, he said that once this is confirmed, we should ask the insurance company whether the building regulations issue will affect the insurance.
So, basically, back to square one with my original question.
As davidmcn said, I am worried that phoning companies will just give me dozens of no can do replies. Is there any better way to approach this? I did try and take a look at draft contracts found on Google, but I could see no mention of Building Regulations or lack of them.

Surrey_EA

Of the property sales I deal with, it would be no exaggeration to say that close to 50% lack buildings regs documents for some work or another.

I have not heard of anyone experiencing difficulty arranging buildings insurance due to lack of building regs.

davidmcn

arciere wrote: »

I did try and take a look at draft contracts found on Google, but I could see no mention of Building Regulations or lack of them.

So there you have it. It's not asked on proposal forms, it's not in the policy conditions, and although people have the impression that insurers can make up their own rules in order to turn down a claim, they really can't - the policy is a contract and they need to keep to it.