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Author Topic: House Contents & Buildings Insurance  (Read 11507 times)

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tunnie

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Re: House Contents & Buildings Insurance
« Reply #75 on: 29 September 2013, 16:26:19 »

A further note on this, maybe one for AndyRoid?

If a house has been completely re-wired in 2006, should a certificate have not been provided? At least for warranty purposes?
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Gaffers

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Re: House Contents & Buildings Insurance
« Reply #76 on: 29 September 2013, 16:30:34 »

That's f-ed up.  Have you thought that they may be forcing the sale to fail?  House prices are going up and they could probably get more if they held off and relisted.
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tunnie

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Re: House Contents & Buildings Insurance
« Reply #77 on: 29 September 2013, 16:39:02 »

That's f-ed up.  Have you thought that they may be forcing the sale to fail?  House prices are going up and they could probably get more if they held off and relisted.

Humm not considered that, very good point though.  :-\

However I'm not prepared to go ahead no knowing state of the roof, the thing is, what survey identified would be raised again by any other buyer.

I don't have the budget to check/fix electrics, replace asbestos garage roof, timber inspection on main house wood worm & possible fix.

There is an identical house but without extension, or garage listed for £25k more. However that's been on for months now....

Also there is one listed down the road, it's in better condition inside, garden a little smaller, down side is no crappy pre-fab garage & no potential loft conversion, thing is, that is listed £25k lower than one we offered on.   ::)
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MR MISTER

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Re: House Contents & Buildings Insurance
« Reply #78 on: 29 September 2013, 17:53:31 »

That's f-ed up.  Have you thought that they may be forcing the sale to fail?  House prices are going up and they could probably get more if they held off and relisted.
Then they could just pullout or accept a higher offer. Nothing stopping them.
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Sir Tigger KC

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Re: House Contents & Buildings Insurance
« Reply #79 on: 29 September 2013, 18:23:46 »

Have a look at getting an indemnity policy to cover you should the roof need work. They can be quite cheap.  ;)
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tunnie

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Re: House Contents & Buildings Insurance
« Reply #80 on: 29 September 2013, 18:50:35 »

Have a look at getting an indemnity policy to cover you should the roof need work. They can be quite cheap.  ;)

I don't think that covers pay out though for work needed? I think they just cover against council taking action and such?

It's taken out by the seller to help prevent any legal issues afterwards?

If a beam is rotten and it costs £20k to repair, I can't see that kind of policy paying out? Even so I'd bet they would riggle out of it and make it as difficult as possible.

Edit, further research confirms that. It's a legal aid only, won't cover against work needed.
« Last Edit: 29 September 2013, 18:57:01 by tunnie »
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Gaffers

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Re: House Contents & Buildings Insurance
« Reply #81 on: 29 September 2013, 18:57:48 »

Worth a look though if it saves you finding a new place all over again :y
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tunnie

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Re: House Contents & Buildings Insurance
« Reply #82 on: 29 September 2013, 19:08:59 »

Worth a look though if it saves you finding a new place all over again :y

Been Googl'ing, does appear to just help prevent any legal ramifications.

http://forums.moneysavingexpert.com/showthread.php?t=3723257&page=1

1) An indemnity policy is available to cover the possibility of enforcement action by the Local Authority. It won't cover defective workmanship so I suggest you get a structural engineer to look at it and make recommendations to get it up to standard. Getting it right yourself and eventually signed off would be better than an indemnity policy.

If there is damage, it would have been caused by neglect of the roof?

The boards just looked screwed in, what would it take to remove it? Couple of hours tops with leccy screwdriver?

My fear is what are they trying to hide  :-\
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Sir Tigger KC

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Re: House Contents & Buildings Insurance
« Reply #83 on: 29 September 2013, 20:53:05 »

What are the boards made of?  ???

If they are plasterboard and there is a leak it should be fairly obvious.  ie You would be able to poke your finger through!! or at least there would be water stains...

Have the boards been recently installed or painted? If so that would certainly indicate a cover up!  ::)

Have you been up there yourself Tunnie? I'm a right PITA when viewing a house and generally annoy the hell out of the vendors!!  ;D  I fiddle with the boiler, get up in the attic, under the stairs, pull carpet back etc etc!!! One woman got quite shirty with me once when I turned the central heating on full blast, on a sunny summers day!!! Well you have to check don't you??  ;D ;D ;D
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tunnie

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Re: House Contents & Buildings Insurance
« Reply #84 on: 29 September 2013, 21:06:18 »

Went in the loft myself, well just stuck my head in for a quick gander  :y

Boards? Thick chipboard, so no leaks obvious.

Looked like it had been up a fair bit of time to be honest, there were posters attached to the them, all of ships/aircraft, so clearly one of their kids den type thing.
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Sir Tigger KC

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Re: House Contents & Buildings Insurance
« Reply #85 on: 29 September 2013, 21:36:13 »

Chipboard will 'blow' if it gets wet/damp on a regular basis, so if it's been there some time and there is a leak then you should be able to spot it with a bit of a closer look.  ;)
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tunnie

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Re: House Contents & Buildings Insurance
« Reply #86 on: 29 September 2013, 21:52:43 »

The chipboard had the plastic gloss stuff to it, like this stuff:

http://www.jewson.co.uk/timber/sheet-materials/chipboard/

So still think there could be something hidden. The water could soak into the beams, rather the boards.

To be honest it's a combination of things putting me off right now, going to see few other houses tomorrow. Really like one of them  ::)
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Sir Tigger KC

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Re: House Contents & Buildings Insurance
« Reply #87 on: 29 September 2013, 21:56:22 »

Well if your not 100% sure about it, then it's probably best to keep looking.  :y 

Put that one on the back burner.  :)
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Kevin Wood

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Re: House Contents & Buildings Insurance
« Reply #88 on: 29 September 2013, 23:33:28 »

TBH, the surveyor is just covering his @rse in case there is a leak behind the chipboard. I would be very surprised if it was put up specifically to hide a leak, and if it were leaking onto that board, it would be running off somewhere and likely coming through a ceiling.

That said, I don't like the attitude of the sellers and it sounds like your heart's not in this place, so walk away. :y
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