Buildings insurance renewal quote up by £4300 p/a...help!

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/comment/82040937#Comment_82040937

It is theoretically possible for a property owner to be sued for the damage their trees have caused but it is very hard work and most cases fail. The fact the property owner is a council only makes a modest difference.

Would need to look at the sequence of actions… was the house or trees there first? How close are they to the building (not general property)? What type of trees are they? What was thought the risks were with those trees at the time of planting? When were concerns first raised with the council? Was there any signs of root damage or invasion before this?

LE cover gives advice on a very wide range of topics however only covers pursuing claims on a much tighter definition which does vary fairly significantly between providers. You would need to read your policy book to see if such a claim is likely to be covered, even if it is in principle it will still have to pass the normal tests of having a 51% or better chances of winning