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Insurance claims on home insurance

  • 11-02-2021 10:22am
    #1
    Player_86
    Registered Users, Registered Users 2 Posts: 123 ✭✭


    Hello,

    My wife and I plan on moving this year. Over the course of the last 12 months, we have had the misfortune of having to claim twice on our home insurance for separate issues relating to pipes leaking. The claims have been around €10k each. We have owned our house for 7 years and never made a claim before, nor have we ever made a car/health/travel insurance claim, thankfully.

    My query is: could a potential buyer of our house be in the process of closing the deal, and then find him/herself unable to obtain insurance on the house, or find it prohibitively expensive to do so? Our insurer has not given us any guidance on this one way or another. I'd imagine the process of selling and buying is stressful enough without having this worry hanging over us.

    Thanks very much in advance.


Comments

  • #2
    Staplor
    Registered Users, Registered Users 2 Posts: 1,128 ✭✭✭Staplor


    The only question I remember on my house policy is about have I claimed. Not has the house had a claim.

    Leaky pipe, smashed window, can't see how I as a buyer would know about any claim on a house that I was buying.


  • #3
    Player_86
    Registered Users, Registered Users 2 Posts: 123 ✭✭Player_86


    Thanks, Staplor. Hopefully, it doesn't have too detrimental an impact on us, either on the sell side or the buy side.


  • #4
    endofrainbow
    Registered Users, Registered Users 2 Posts: 2,839 ✭✭✭endofrainbow


    Any chance you could get some dummy quotes from other insurers? That might give you a ball park figure.


  • #5
    Doop
    Registered Users, Registered Users 2 Posts: 1,479 ✭✭✭Doop


    The history of the claims will follow you not the house.


  • #6
    Lmkrnr
    Registered Users, Registered Users 2 Posts: 187 ✭✭Lmkrnr


    I know a buyer who bought a house but found the leaks soon after. Bad heating system, wasn't working properly to start with. Previous owner wouldn't even answer the phone.


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  • #7
    cojomo2
    Registered Users, Registered Users 2 Posts: 3,220 ✭✭✭cojomo2


    Lmkrnr wrote: »
    I know a buyer who bought a house but found the leaks soon after. Bad heating system, wasn't working properly to start with. Previous owner wouldn't even answer the phone.

    Why would they ring the previous owner?


  • #8
    Baby01032012
    Registered Users, Registered Users 2 Posts: 1,622 ✭✭✭Baby01032012


    cojomo2 wrote: »
    Why would they ring the previous owner?

    Exactly previous owner has no legal duty to new owner. I’d be ringing the surveyor you got to carry out the pre purchase survey on your behalf for not identifying these problems! House is sold as soon so it’s up to solicitor and surveyor to identify any potential problems be with title or structurally.


  • #9
    Player_86
    Registered Users, Registered Users 2 Posts: 123 ✭✭Player_86


    Thanks very much for the responses - appreciated.


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