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janet b | Insurance for house which has been underpinned? |
I am in the process of buying a property but according to the survey I got it will need underpinning on one corner. I have phoned lots of insurance companies up even specialist ones but if I do buy the house no insurance company is prepared to take the house on because of the underpinning. I really like the property and the area. Does anybody know of any insurance which will take on the property once I have bought it. I have tried all the insurance companys which state they will take on houses with subsidence but they wont cover until a year after it has been monitoried. It is hard to find a property like the one I want for the price because it is a quiet area and nice gardens and near to work |
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Punk Rock Gurl
 |
I believe underpinning is a term used best to describe a strengthened or replaced foundation of a sagging structure.
I live in the state of Florida & I know that Florida's high risk pool probably wouldn't even insure the house.
I would totally stay away from this property. It just wasn't meant to be & something better will come along.
FYI: Just because the property is currently insured doesn't mean the insurance company is willing to continue coverage on that risk. You can't just tranfer a policy from one customer to another. A new policy would have to be written & re-underwritten per that companies guidelines.
Hope this helps...
Good Luck |
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Lizard
 |
Why not approach the sellers current insurance - usually they will carry on the same insurance. This is something they maybe looking at, if not they should be. Unfortunately with this property you will never be in the position to shop around - as no one will want the risk. Other wise Lloyd's of London - take on risk that normal companies will not |
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JUSTME
|
Have you tried State Farm Insurance Company in your area? They always have seemed very helpful and willing to work with me. Good luck. |
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larsgirl
 |
make sure you are using the right terminology... underpinning usually refers to a mobile home. then get an engineer involved. if he gives you a clean bill of health.. talk to an agent and be willing to go with a high deductible based upon the engineer's report.. that tends to give companies a warm fuzzy feeling. |
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radbadkebab
 |
The point that Lizard made is entirely correct. You should contact the current owner of the property and ask who the property is currently insured with. Their is an unwritten code in insurance, that if the current company is already accepting the risk of that property, they should therefore have no problems accepting the same risk, just under a new owner. However be warned, Buildings insurance for a property that has suffered subsidence landslip or heave can be on the pricey side! But if you love the property, I guess its a small price to pay.
It is also true that Lloyds ofLondon are more likely than most to take on higher risks, however they are not an insurance company in their own right, they are mde of many little companies called Lloyds "names" If you would like me to suggest a name for you, drop me a mail
A word of advice, do some reasearch into the surrounding area to see if subsidence is known in that area, its probably best to stear clear if it is well known!
good luck
P.S I am speaking in the context of UK Insurance law here, not American, Im sure you dont have a mobile home! |
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busterdomino
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Have you tried speaking to a company which specialises in underpinning?,It is likely that they encounter this problem all the time, after all, they have to satisfy customers that their work is valid. |
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CaseyAngelEyes
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You may want to try getting a quote online. I had a home in which the foundation was wrecked. I went online to a quoting service & put that information in the comments section. Then only the companies that could quote it contacted me.
Go to: http://www.insureme.com/landing.aspx?Refby=616162&Type=home
Take care,
Casey |
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hightechchic
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Most states, recognizing that insurance on a structure with a lien is a requirement, mandate that there be coverage available through a high-risk pool.
So, if you aren't having any luck through the normal channels, you could try contacting the state commissioner of insurance office. They should be able to assist you.
A few things to consider, though:
First, underpinning is a term that's often associated with mobile homes (I take it you mean that in a different term here?)
Second, and most importantly, you need to keep in mind that, even if you manage to get coverage for the structure through the state-mandated plan, they will most likely not offer coverage for your contents and/or liability coverage if the condition of the property is such that other insurance companies are turning you down.
You need to think about that. There's a reason that these insurance companies don't want to insure this property. And those reasons may cost you a lot in the long run, the insurance premiums being the least of it. |
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