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Insurance issues FTB building extension!! HELP!!

  • 30-08-2012 1:48pm
    #1
    Registered Users, Registered Users 2 Posts: 767 ✭✭✭


    Hi all,

    Have got some great info of this forum while house hunting the last year...

    Due to get keys tomorrow, RSA (through BoI) rang yesterday to say they won't give us house insurance as we are getting a builder in before we move in to do an extension for 5 weeks before we move in.

    Have tried ringing around a few people but not having much luck, being told if you have a policy, changing it to have work done is fine but companies don't look to take on new clients in this situation??!!

    Anyone been here done that??

    Thanks


Comments

  • Registered Users, Registered Users 2 Posts: 1,583 ✭✭✭kkelliher


    Generally this should not make a difference.

    If you take out an insurance policy for the property then that should be that. Any damage caused by the builder to the property if carried out under a standard form of contract will be the responsibility of his insurance in any event. I dont really see why this would be an issue. I can fully understand them requiring you to insure your builder has proper insurance but outside of that it appears odd.


  • Registered Users, Registered Users 2 Posts: 411 ✭✭Wibbler


    The issue is more likely to the fact that property will be unoccupied for a long period. Insurance policies typically expect a property to be unoccupied for no more than 30 days. I had a similar issue and it took a huge amount of work to get cover on the property - I had to use my contacts.

    Your best bet may be to go through a broker specialising in renovations. Google, or look to the adds in the back of the house improvement / self-build magazines.


  • Registered Users, Registered Users 2 Posts: 767 ✭✭✭duffyshuffle


    Yeah thought it would be a pretty normal occurrence but apparently not, ended up being put in touch with a friend's friend and all sorted thankfully, thanks for the advice


  • Registered Users, Registered Users 2 Posts: 1,476 ✭✭✭sarkozy


    Have been in a similar situation. Good news is, after a long and arduous process, we're to get the keys in mid-September.

    I went to umpteen insurers. First, I was up-front when asked if we'll be making alterations or doing building work. Then I said that we didn't know yet. Couldn't get insurance.

    Then I went back to a previous broker and she said just say you're not, because when you get in, it's your business what you do. The thing insurance companies worry about is the work not being done by a qualified and insured contractor, or yourself.

    So, finally got on to another broker I was recommended. Said we have no plans for work yet (technically, we don't) and we got the insurance.

    Irritating, I know ...


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