Contradictory Questions and Final Policy Document buildings insurance

PoGee

I took out a policy - the usual questions asked about the building history (over the last 25 years). Questions such as - any flooding in last 25 years, underpinning last 25 years etc.

I've owned the property for over 30 years and nothing like that has happened since I've taken ownership. The building is over 100 years old.

When I got the paperwork, it made no mention of the 25 year timeframe. It said instead - any flooding (lists my answer as 'no'), etc (other routine questions - my answers all 'no'). It's as if it's saying there's NEVER been flooding etc.

I called them. They said - 'it's ok, we just need a 25 year history'. Shouldn't that be reflected within the policy paperwork? How am I meant to know if anything happened to the property, say 40/ 50/60/70 years ago?

When I log a complaint, I get told to call in.

sheramber

You said they only asked about the last 25 years so that is what is relevant to the policy.

PoGee

Thanks Sheramber.