Tpo

GeorgeTWD

"20' in *diameter*???? are you sure you don't mean circumference? Even then, that's hellish big for a poplar......."

Albala,

Yes, I meant circumference, it is a very impressive tree.

Davesnave

I'm watching this thread with bated breath....


It's still touch and go whether the OP will discover the quote button first, or someone triggers Godwin's Law and has the thread shut down by the mods!

da_rule

Op, why on earth are you trying to insure a property you don’t own? The Council’s block housing insurance policy will protect the house and their public liability insurance policy will cover them if the tree falls into the pathway.

Also, if you really want to fight it, there are plenty of planning agents and arboriculturalists out there who will advise you and represent you (if you actually have an argument that has a legal basis).

I also see that you’ve been to the ombudsman, but I wouldn’t get your hopes up. They don’t have the power to quash the TPO. They’re more
Likely to order a couple of hundred pounds in compo be paid because of the way the Council has communicated with you. Alternatively they may decide to take no action as, as a rule, they decline to deal with matters where the complainant could have sought a remedy through the courts.

GeorgeTWD

"Op, why on earth are you trying to insure a property you don’t own?"

da_rule,

Not going too, I have something else in mind.

"I also see that you’ve been to the ombudsman, but I wouldn’t get your hopes
up"

Not going too. First though I need to find out if there is anyway this property can obtain building's insurance.

Elinore

GeorgeTWD wrote: »

"Op, why on earth are you trying to insure a property you don’t own?"

da_rule,

Not going too, I have something else in mind.

"I also see that you’ve been to the ombudsman, but I wouldn’t get your hopes
up"

Not going too. First, though I need to find out if there is anyway this property can obtain building's insurance.

I don't believe it's possible to insure a building you personally don't own or have some liability for - I think I now understand why the insurer's wouldn't offer to quote.

You do seem to have got yourself in a terminal thinking loop stressing over aspects out of your direct control - so let me clarify things as they stand:

1. The tree is not yours
2. The property is not yours
3. The insurance you are after is not applicable

You have attempted to influence aspects of all of the above without success.

You feel the tree is dangerous and therefore have taken the matter to the relevant parties, they have compiled a report and disagreed with you enough to have exhausted the set complaint process allowing it to proceed to the ombudsman (I make a brave assumption that you did complete the full formal complaints process, rather than scattershot emails to the council, and the escalation is the next formal step)

I would be very surprised that a council would not limit their liability in this matter and as such if they were as worried as you are that he tree will fall on your head they would need to act - but they are not. Which suggests that your concerns may be unfounded and I could see that the council may feel this assertion of imminent and crushing danger to life and limb is self-serving - in that you want to buy the property but without the tree (as it makes the property uninsurable which is fine for the council as they self insure in most cases) so having the council remove by shouting about health and safety it would be the means to do so without incurring any cost whilst benefiting your directly by allowing you to then go ahead and purchase the property. This is maybe why they are reluctant to consider your concerns over the written report over their unbiased specialist. (*unbiased - only to mean he has no potential financial gain in this matter unlike the OP)

However, the council may be wrong - its happened on occasion and if that's the case you have documented your concerns, you have told them you think the tree needs to come down they have disagreed and you will take it to the ombudsman. which is what is required to ensure the matter is reviewed.

If you genuinely feel the tree is unsafe and the council are not listening to you why have you not requested to be moved from the property as urgent? or moved into a private rental?

Your lives mean more than bricks and mortar surely - especially as you don't even own it? and if you have not made any attempt to move and keep yourself safe from this imminent threat then it would suggest that you are not that concerned and you would rather keep your rights over the property than place yourself in a safer situation.

GeorgeTWD

"If you genuinely feel the tree is unsafe and the council are not listening to you why have you not requested to be moved from the property as urgent?"

Elinor,

You are another one that comes on this thread making assumptions, assumptions that are wrong, we have asked to be moved, no joy from the council on that front!.

If you can't make any contribution to the thread why do you come on?, doesn't make any sense!.

bouicca21

I’m just thinking that if OP really had all these reports on the tree he’d be able to spell poplar. I don’t understand why he wants to insure a property in which he has no insurable interest, and I am totally confused about how RTB, wife’s security, fear of doom and wanting to move all fit together.

Davesnave

GeorgeTWD wrote: »

If you can't make any contribution to the thread why do you come on?, doesn't make any sense!.

Goodness, you're rude!


It's clear Elinor has hit the spot. She's called you out and her contribution makes perfect sense.


Now, about these reports you had done.....

Murphybear

Elinore wrote: »

Because it gave me the answer I needed, you are a vexatious complainant wanting to make a financial gain at the cost of the council.

To ask the council for a FOI, to take this to the ombudsman over a tree you don't own, over a property the council are happy for you to live, and you remain in despite your written concerns - demonstrates this clearly.

I'm sure you are not very poplar with the council.

:rotfl::rotfl::rotfl:

GeorgeTWD

The question here is the only advice I asked for was where can I find an insurance company that will give me buildings insurance that was the question I asked at the start of this thread. I did not ask for advice for anything else so why the abuse!. I don't require advice, it was not sort, so why give it!!!. I still think the advice/abuse is not from genuine posters, the tone and substance of the posts tell me that.