Hi all
I guess this could be posted in the insurance forum but I think the question also relates to what is in the leases so plumped for here-
I will shortly own the freehold to my property and the upstairs LH flat. I need to arrange buildings insurance for the completion date.
I have been looking for quotes and some of the questions the insurers ask, I cannot answer factually.
eg: Are any tenants DSS? I can't be sure that any of the tenants of the other flat are DSS or not, and the landlady is unlikely to admit one way or the other who lives there as this will be admitting she is in breach of her lease (A separate issue). There is nothing in the lease requiring the FH be informed of any subletting.
I am assuming I am best to get cover that covers the property for the use it is currently put to, GF flat owner/occupied and the upstairs flat as a HMO, even though this is in breach of the lease terms.
Any advice gratefully received.
Thanks
I guess this could be posted in the insurance forum but I think the question also relates to what is in the leases so plumped for here-
I will shortly own the freehold to my property and the upstairs LH flat. I need to arrange buildings insurance for the completion date.
I have been looking for quotes and some of the questions the insurers ask, I cannot answer factually.
eg: Are any tenants DSS? I can't be sure that any of the tenants of the other flat are DSS or not, and the landlady is unlikely to admit one way or the other who lives there as this will be admitting she is in breach of her lease (A separate issue). There is nothing in the lease requiring the FH be informed of any subletting.
I am assuming I am best to get cover that covers the property for the use it is currently put to, GF flat owner/occupied and the upstairs flat as a HMO, even though this is in breach of the lease terms.
Any advice gratefully received.
Thanks
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