Year Built/Age of Property | Home Insurancd

JackP123

Hi,

I am buying a property which is a mid terrace.

It’s one of 3 property that have been created inside an old stone mill.

There is, and had to be an equivalent NHBC certificate - therefore the lenders see it as new.

Also, so far, there is no record of it on Land Registry. The Old mill is there, but not a property.

This is the first registration as a dwelling as such, and I won’t be the only house inside.

Goes without saying, there was no windows, doors, floors internal walls. The mill was just the shell of the house.

So, what year was it built? I need this for home insurance terms. There is no clear answer and I’ve spoken to several providers and they can’t tell me what answer to give either.

I think it’s new I.e built 2019. The building control certificate has been sent and completed this year. The warranty had to be a new build warranty as per lenders requirements. There has never been a private dwelling there.

What do you think?

Tom99

Use 2019 for your online quote but then phone the insurer to make sure they are on notice at to the actual situation.

Zorillo

I'd do it the other way round. Find one that will accept it if it's 300 years old, and then explain to them it's a new conversion

Either way, make sure they're 100% aware that it's a conversion of an old building or you are asking for trouble down the line.