Surface water drainage and notifying home insurance

sseshield

So i'm nearing closer to an exchange and there was a drainage query on the property i'm buying whereby the surface water drainage has not been adopted by the water company so it drains to a soakaway. My Solicitor will not proceed with exchanging until i can get in writing that i have informed the home insurance company of the drainage situation. I've called a few insurers and they won't put it in writing that i've informed them of this and therefore this leaves me in limbo. Can anyone advise on who could help with obtaining this type of confirmation? would a broker be helpful? 

user1977

Why on earth does your solicitor think that's necessary?

sseshield

The drainage was referred to my lender who confirmed it doesn't affect the mortgage offer but went on to say that my solicitor must be satisfied that the intended building insurer has been made aware of the contents of the water and drainage report. The only adverse thing it says is it's not connected to surface water drainage but that's becoming common these days on newer builds. The house is 10 years old

user1977

sseshield said:

The drainage was referred to my lender who confirmed it doesn't affect the mortgage offer but went on to say that my solicitor must be satisfied that the intended building insurer has been made aware of the contents of the water and drainage report. The only adverse thing it says is it's not connected to surface water drainage but that's becoming common these days on newer builds. The house is 10 years old

In which case they'll just to feed back to the lender that they've made a daft request which the insurers can't do anything with. Though it's really your solicitor's fault for needlessly confusing your lender with the information in the first place - as you've said, it's a common enough scenario, and not anything which really matters from the lender's or insurer's point of view.

sseshield

user1977 said:

sseshield said:

The drainage was referred to my lender who confirmed it doesn't affect the mortgage offer but went on to say that my solicitor must be satisfied that the intended building insurer has been made aware of the contents of the water and drainage report. The only adverse thing it says is it's not connected to surface water drainage but that's becoming common these days on newer builds. The house is 10 years old

In which case they'll just to feed back to the lender that they've made a daft request which the insurers can't do anything with. Though it's really your solicitor's fault for needlessly confusing your lender with the information in the first place - as you've said, it's a common enough scenario, and not anything which really matters from the lender's or insurer's point of view.

I think it's ridiculous to be honest. I've asked my mortgage advisor to speak with the insurer they have a relationship with to see if they can provide something in writing that states i've told them about the drainage and hopefully take out the insurance with them.

Titus_Wadd

I hope you get a swift resolution OP.  Our mortgage lender didn't ask about the surface drainage, nor the buildings insurance.  

I'm curious about this because we have soakaway crates for surface water drainage.  Our vendor (who bought the house from new) asked the local planning dept to confirm that they had had sight of the surface drainage plans that they had asked the builder to submit as a planning condition and their answer was supplied to our conveyancer and relied on by us.  Now it turns out the builder had never supplied them!  There might be milk or beer crates under our back garden, for all we know!  No one has seen any plans or had any building regs sign off (if that were needed). So anything about soakaways grabs my attention.