Damage to a house before completion

eddddy

TopDoc said:

1. The damage occurred a few hours BEFORE completion. This is not denied by the vendors.

So what is still confusing some people is:

How did you manage to get a buildings insurance policy that started at the precise minute that the purchase completed?

(For example, did you phone the insurer at the minute completion happened and say "Start the policy now"?)



Look at your policy document, and see what it says about when the policy started.

Does the policy document say:

1. The policy starts on completion? (Does the policy document actually mention the word "completion"?)
2. The policy starts on a particular date at a particular time?
3. The policy starts on a particular date?

Most policies start on a particular day, and cover the whole of that day - option 3 above.

TopDoc

eddddy: thank you. that is a very perceptive observation. will check