insurance says there's flood and subsidence history on flat I'm buying?

davidmcn

Akira181 wrote: »

It was Aviva that told me there was a claim or record of historical subsidence and are asking me to provide more information. They were annoyingly vague and didn't really explain anything when I asked them but since they're asking for dates and how it was repaired, I'm assuming there was actual subsidence at some point

Past structural movement isn't necessarily from subsidence though. The seller can try asking the factors if they know anything.

akira181

gah, good point. The words subsidence and coal mine aren't actually in the home report, starting to think the report isn't very good.

I'm going to call Aviva and ask them to clarify if there is there a record of actual subsidence and repairs or if it's just a flag for a high risk area. If they say it's a record of actual, I assume I should ask my solicitor to get more details?

akira181

just off the phone with Aviva after being on hold for 30 minutes. Now they can't find the building in their system and asked me for the easting and northing grid references. Gave them that and they're going to call back. Getting a quote should not be this complicated

Liz_Mitchell

Aviva are likely to have been using detailed data to have identified the property is possibly in a subs area - similarly on flood too - it doesn't mean you are not insurable, when subs flags as a problem sometimes your provider will ask for a bit more detail but what an insurer typically aske for is confirmation of whether the movement is hostoric or not and you can evidence this from your survey. Not all insurers are happy to cover buildings with prior movement noted but many specialists are, similar situation with flood - insurers will use far more sophisticated data than SEPA which often has no resemblence as to how insurers view flood risk. Let me know if I can be of any further help