FTB Issues with the house

bigsteve85

Hello all, I’m at a bit of a loss to be honest as I think the only way to solve it is to suck it up and get it sorted as and when.
Me and my wife and 3 kids have finally bought our first house, it was a case of walking through the door and going “wow” we fell in love instantly and that’s still the case we love it, but!
Now we know the property is over 100 years old and it needed some tidying up and redecoration but on the survey it highlighted no major problems with the building inside or out.
since we moved into the property we have found that the bay window on the master bedroom is completely rotten and needs replacing we’ve been quoted around £3250 for this work, when it rains it pours into our lounge and has warped the laminate floor. I had the insurance company out to look at it and they have said the bay window is wear and tear and not covered, but will replace the laminate in the lounge, now me and the Mrs stretched ourselves to buy the house and I’m still paying off £18k worth of debt from my mistakes as a youth (another story), I really don’t want a credit card or a loan, is there anything I can do to get the money off the seller as the insurance company said they must of known about it judging by the damage.

any help greatly appreciated 

Steve

Comms69

not a cats chance in hell, caveat emptor my friend.

Sorry

TripleH

Agree with Comms69 sadly.
Not ideal and more a short-term solution, but can you patch up the bay window to at least make it water tight? I have insufficient knowledge to help, but if it is rotting but not rotten, you might be able to slow down the deterioration whilst you save to replace. You may also have to take longer to clear off you debt.

davidmcn

What sort of survey did you get, and what did it say about the window?

bigsteve85

TripleH said:

Agree with Comms69 sadly.
Not ideal and more a short-term solution, but can you patch up the bay window to at least make it water tight? I have insufficient knowledge to help, but if it is rotting but not rotten, you might be able to slow down the deterioration whilst you save to replace. You may also have to take longer to clear off you debt.

In certain places the frame behind the fascias is completely missing or crumbling, only held together with silicone and rusty nails.
My debt will be gone in 5 years paying it at £400 a month, I think I know a way round it all but I didn’t want to do anything to jeopardise a future claim if I could of made one

bigsteve85

davidmcn said:

What sort of survey did you get, and what did it say about the window?

Home buyers survey, the guy lifted floor boards and all sorts, said the window looked ok, unable to remove the panels without been destructive so couldn’t do it or I guess it would of been found and I could of had it sorted. Gutted really

RelievedSheff

Welcome to the world of home ownership.

You own the property so it is now your responsibility to repair and maintain it. You have no come back from the previous owners.

Soot2006

Everything above is true, however definitely look into "patching it" rather than going for the full fix immediately. A clever handyman can probably make it look decent and be watertight for a another few years for a fraction of the replacement cost, giving you time to sort our your replacement options and funding.

lincroft1710

bigsteve85 said:

Hello all, I’m at a bit of a loss to be honest as I think the only way to solve it is to suck it up and get it sorted as and when.

Is the correct answer.

The only thing I would suggest is to get a few more quotes regarding replacing the window.

Crashy_Time

lincroft1710 said:

bigsteve85 said:

Hello all, I’m at a bit of a loss to be honest as I think the only way to solve it is to suck it up and get it sorted as and when.

Is the correct answer.

The only thing I would suggest is to get a few more quotes regarding replacing the window.

Good advice.

mattyprice4004

Same as buying anything 2nd hand from a private seller - sold as seen; it's your responsibility to inspect to your satisfaction. 
This is one of pitfalls about owning a house - when you find issues, you've got to pay for it yourself. I'd get some more quotes though!