Attic conversion as storage is it properly insuredd

G-Man

I looked at a few houses that had attic conversions - they look really well done and from looking at planning permissions on council website there are many attic conversions not registered.

How do insurance companies view such conversions in case of fire? - roof problem?

Say you have a leaky roof and it damages the wonderful interiors of this space - is insurance company going to pay out. Say a fire happened and even if everyone got out safely - it was traced to a fault in non registered attic conversion, whats an insurance companies likely approach.

I know a vendor should sort this out, but are they delclaring this "storage space" as bedrooms or not at all?

Gumbo

It’s either storage or a bedroom.

from a home insurance point of view, the conversion wont matter if it was for storage but I tell them I have an attic conversion and it’s used as habitable space.

Mellor

https://www.boards.ie/discussion/2058209877/attic-conversion-as-storage-is-it-properly-insuredd

There is no such thing as a "registered attic". There is not requirement to register extension and converstions.

Planning permission relates to planning permission only. Insurance relates to insurance. There's no cross over. If you have a 4 bed including a converted attic. And you get home insurance for a 4 bed. You are covered. If up to the insurance company to satisfy themselves at that time. Whether there was planning permission or the attic or not is not relevant. They could ask for a certificate of compliance before covering, but not after the fact.

If the attic not built to the building regs, which was then deemed to be the cause of a fire. They could perhaps pursue the builder's insurance, but unless the insuree made a false declaration about the conversation, it wouldn't void the cover.

G-Man

I rang a few insurance companies and they confirmed what people are saying here -anyhow decided to go look at different house altogether.