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Buying a bed & breakfast that has had some change of use seems vendor didn’t submit plans HELP :(
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So it sounds like you're still awaiting advice about what (if any) discrepancies there are between the use / layout and any necessary consents, and what your options are if anything needs remedied or insured against. I'm not sure why you've jumped from that to all your costs for pulling out?lawcher said:User1977 the change has happened it was a 15 bed hotel now a bnb with 2 apartments but we don’t know when or how this happened or who buy only as the seller said to estate agent take his world for it he didn’t need planning permission - he would only know that if he had asked them
he saos he didn’t need planning permission as there’s no structural work be done but he has made 2 apartments with kitchens in the building so has done work as there is 2 more kitchens now so the work has seemingly taken place since they purchased the 15 bed hotel in 2017 as he said he did the work.1 -
Yes, my bad. Reference for the OP:user1977 said:
No, other way round - you can't (easily!) get cover for a change of use which hasn't yet occurred, only for things which are reasonably well-established (without immediate uproar from the neighbours/planners etc). This would be a normal scenario for indemnity insurance.MeteredOut said:
My understanding is the you can only indemnify against things which might take place, but since it is now known that no change of use has been approved, it would be difficult to get such coverage now.ThisIsWeird said:Would an indemnity policy be effective here?
https://hoa.org.uk/advice/guides-for-homeowners/i-am-buying/what-is-indemnity-insurance/#:~:text=planning permission insurance
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there may also be a question about building regulations because it sounds as though there have been some substantial changes inside - for example have walls been added or removed0
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Building Regulations Approval would definitely have been needed and I am pretty certain PP or Change of Use would also have been needed.If you are querying your Council Tax band would you please state whether you are in England, Scotland or Wales0
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