House insurance before completion

AnotherJoe

CJScat wrote: »

They are asking me to insure from the moment I sign the contract.
The vendors F&F form states she wants me to pay an extra £3000 for built in units in rooms which were supposed to be originally in with the sale.
As yet my solicitor hasn’t had confirmation if the vendor will stand by the what was offered in the house brochure, if they do remove said items tiles walls, plaster and good quality laminate flooring will all be adversely affected.
The vendor is moving to the other side of the world and currently spends most of her time there,so I feel uncomfortable to sign until I know the state the property will be in when I take it on.
I haven’t come on here to infuriate anyone. But imagine if you are taking on the biggest purchase of your life, this is the first time you have bought a property, you are a single parent with no one to discuss the process with and just want some reassurance from someone who has done this before.

Nothing to do with insurance. As was said to you in your other thread, the only thing you can practically do is to insist upon a retention clause in the contract, contingent upon the fittings being left as described.

eddddy

CJScat wrote: »

The vendors F&F form states she wants me to pay an extra £3000 for built in units in rooms which were supposed to be originally in with the sale.
As yet my solicitor hasn’t had confirmation if the vendor will stand by the what was offered in the house brouchure, if they do remove said items tiles walls, plaster and good quality laminate flooring will all be adversely affected.

In the first instance, it may be best to communicate this via the EA (assuming one is involved).

Explain to the EA that your offer included the units (as they were mentioned in the house brochure), and if the seller wants to remove them, you'll have to adjust your offer to cover the cost of replacement and the cost of making good damage.

Once you have reached an agreement with the seller via the EA (e.g. that the units stay), tell your solicitor what you've agreed.

kerri_gt

anto164 wrote: »

If you're mortgaging, then a clause if the mortgage will also be the house insurance! Once the contracts are exchanged - you're committed to buy.

^^ after exchange (assuming England and Wales) you are legally committed to buy or face big financial penalties.

CJScat

Thanks to all for the advise.
I feel easier now I have read and digested your comments.