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    • pixiepeep
    • By pixiepeep 13th Oct 16, 6:01 PM
    • 82Posts
    • 37Thanks
    Solicitors Concerns
    • #1
    • 13th Oct 16, 6:01 PM
    Solicitors Concerns 13th Oct 16 at 6:01 PM
    Hi all

    We're so close to finally buying a house (it's been a drama) and we've received the contract pack through from our solicitors today.

    They're still chasing a few things - the property has been rented for years, so they want absolute proof of ownership from the lady selling it which seems to be slowing things down?!

    Also, the conservatory on the back of the property (half brick built) has no documentation to go with it, so we've no idea if it's to regs or not. Our solicitors want the seller to take out indemnity insurance, but I'm not entirely sure how this works. The conservatory was in place when she bought the property, and it is over 10 years old.

    We're waiting for our survey to come back (Homebuyers as the property was built in 1962, plus an Electrical survey as the fuse box looked original!) but now I'm just wading through various recommendations.

    I need this bloody purchase to be over. We moved out of our property on the 20th of September as our buyer was a nightmare and we had the chance to move in with my very understanding in-laws. But I just want to be in now. There's other work that we'd like to do straight away and I'm getting really restless - plus hubby is going off on expensive sounding tangets for what he'd like to do...

    Does the request for indemnity insurance sound like something that would be accepted, or is it just going to be adding more time to the wait?!?
Page 1
    • stator
    • By stator 13th Oct 16, 6:15 PM
    • 6,219 Posts
    • 4,104 Thanks
    • #2
    • 13th Oct 16, 6:15 PM
    • #2
    • 13th Oct 16, 6:15 PM
    An indemnity for something over 10 years old seems pointless, the council can't require you to demolish it even if it doesn't have building regs or planning permission.
    If the conservatory means a lot to you then make sure it's in good condition by getting a proper survey at least. If it's not that important then don't worry about it. You could always dismantle the conservatory if it's not sound.
    Changing the world, one sarcastic comment at a time.
    • TBagpuss
    • By TBagpuss 13th Oct 16, 6:34 PM
    • 6,487 Posts
    • 8,413 Thanks
    • #3
    • 13th Oct 16, 6:34 PM
    • #3
    • 13th Oct 16, 6:34 PM
    Indemnity insurance covers the cost of complying with requirements to remove / bring up to code if it doesn't have the necessary planning permission or building regs.

    If the conservatory is over 10 years old then unless there are special circumstances (I think rules are slightly different for listed buildings and in conservation areas, for instance) an indemnity policy isn't necessary, as councils can't enforce after that length of time.

    A policy doesn't cover poor workmanship or poor repair, so as Stator says, if you are concerned about the condition of the property get a survey.

    In terms of the ID / ownership, is the property registered? If so, then provided that the sellers ID has been checked and matches the details on the land registry records there should not be a problem. Have the tenants moved out? Sitting tenants would be a much bigger issue.

    If the proeprty is unregistered, or if the owner has inherited it without updating the deeds at the time, then things take a little longer.
    • davidmcn
    • By davidmcn 13th Oct 16, 6:46 PM
    • 7,627 Posts
    • 7,756 Thanks
    • #4
    • 13th Oct 16, 6:46 PM
    • #4
    • 13th Oct 16, 6:46 PM
    Indemnity policies can be purchased pretty much instantly, so if/when someone agrees to get one it's not going to delay matters.
    • pixiepeep
    • By pixiepeep 13th Oct 16, 7:48 PM
    • 82 Posts
    • 37 Thanks
    • #5
    • 13th Oct 16, 7:48 PM
    • #5
    • 13th Oct 16, 7:48 PM
    Thanks for the replies. I figured the fact that it's been there for 10 years would mean it's fine from a planning point of view. We're just waiting on the report from the surveyors, they're very thorough so I'm hoping they might bring anything up.

    The house is empty, has been for a little while. I think that's why the solicitors are so concerned - there's been a few cases of people acting as if they own the empty property, and then when the buyers have parted with their money it turns out they don't have any claims to it.

    We have a copy of the land registry stuff from our solicitors, but it doesn't mention the owner by name.
    • walwyn1978
    • By walwyn1978 13th Oct 16, 7:59 PM
    • 450 Posts
    • 413 Thanks
    • #6
    • 13th Oct 16, 7:59 PM
    • #6
    • 13th Oct 16, 7:59 PM
    We got an indemnity policy when we sold the house to cover work done before we bought it (our surveyor had missed it, but that's another story).

    One phone call, online form, 48 hours later get an email and printable certificate of insurance, send to our solicitor by email, job jobbed.

    It shouldn't hold you up in any major way.
    • G_M
    • By G_M 13th Oct 16, 8:32 PM
    • 44,046 Posts
    • 52,143 Thanks
    • #7
    • 13th Oct 16, 8:32 PM
    • #7
    • 13th Oct 16, 8:32 PM

    We have a copy of the land registry stuff from our solicitors, but it doesn't mention the owner by name.
    Originally posted by pixiepeep
    So who does it show as the registered owner?
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