Insurance for house with subsidence/underpinning 6 years ago - no documentation

tooldle

I’ve previously owned an underpinned house and had no difficulty in insuring it. Now the current vendor is aware of the situation, perhaps they will search the deceased papers for further info, or track down the previous insurer for more info. 

AndyDufresne

eddddy said:

If the underpinning is done badly (poor workmanship and/or poor materials), the resulting damage wouldn't be covered. I suspect they would check for that if you made a claim.

Lots of people say that an underpinned house is much less likely to suffer future subsidence than the similar house next door without underpinning.

Maybe Lloyds are putting this theory to the test. If they get loads of claims, maybe they'll change their future terms.

(TBH, that's a risk you need to consider. If Lloyds decides to change their terms, will you be able to easily find another insurer?)


Give their customer services a call and see what they say. That's what I did a few years back.

Sounds promising. I’ve had a word with one of their online chat agents, and they said they don’t ask for any documents at all when a new policy is taken out. I’ve got a quote from them for very cheap. It still sounds too good to be true to me but hopefully it will be my lifeline. 

Do you know if they ask for any further details once you’ve accepted their quote? 

Still not sure if it’s the right thing to do given the lack of any kind of documentation. Would they likely cross-check the previous vendor’s insurance for their original claim?