Subsidence 12 years ago, House insurance confusion...

[^woody^]

• If subject to any previous subsidence damage, has had that damage fully rectified and is no longer required to be monitored.

Can I answer yes to this

From info in your post, you could answer "yes".

 

[KenGMac]

Agree with "woody" above, answer is YES damage rectified and NO further on-going monitoring is needed, or being undertaken.

 

[robodelfy]

Why can't you go through a specialist broker?

I've just had a surprisingly good quote just from using Lloyds online, £154 a year. The cheapest I got from any comparison site was £240 and that was with Admiral who I know are meant to be no good. The Lloyds quote is cheaper, but seems better, with higher priced single items etc. So I'm quite happy with it, a little confused why its so cheap.

This is the only question they ask about subsidence : If subject to any previous subsidence damage, has it had that damage fully rectified and is no longer required to be monitored?

I called them up and explained the situation, the lady said it is fine and I can proceed. She said they would just look at the Certificate of Structural adequacy from the previous owners, and if it was over 10 years ago then it is fine.

I might email them to get it in writing too, just to avoid any issues in the future

 

[robodelfy]

Hi everyone, so I managed to get insurance with Lloyds. They said on the phone it shouldn't matter that the Certificate of Structural Adequacy was in the last owners name. Although the certificate says it can not be relied on by anyone but the owner at the time.

Then I got a reply from Cunningham and Lindsey, who said this :

''We do not change the name on the Certificate in these situations nor do we update it, as it is simply a matter of assigning the benefit of the certificate to you. There is a charge for this confirmation of £95 plus VAT and you should forward payment in the sum of £114.00 inclusive of VAT''

It seems very expensive, and as I got insurance, maybe not necessary. But I wondered if it could be useful in the future, or if its just too old to mean anything to anyone, it was 2008