Old House Insurance Claims

[carlyon bay]

how long do previous claims stay on your insurance history i made a claim for a damaged door 4 years ago,and if your selling your house do solicitors have access to your previous insurance claims

[Misky]

When you sell, the form you will fill in asks about claims on your buildings insurance, not contents. If you wanted to put in that you'd claimed for a damaged door four years ago, I don't think it would put any potential buyer off....

[SirOracle]

A door is normally classed as part of a building and treated as a claim under the building insurance policy.

[carlyon bay]

Thanks very much

[Peter Pedant]

God you know all the answers - now this ....

tenant gets raided by the police who knock down the door ....

who pays and can I claim ?

actually what happened was:

P ( p'lice ) Is he inside ?
Me No P: we'll knock down the door ! unless you have a key
Me I dont but well you know he isnt inside ....
P how ?
Me: because we know you are secretly videotaping the building from that gable there ( points to location of secret camera )
P errr
Me the tapes were released on discovery for the main case .....

I was the landlord by the way but I did wonder if there was a hole in the house instead of a door who paid.....

[SirOracle]

You can certainly come up with them Peter :- .

If you have Accidental Damage to the building cover then I would contact my Insurer and let them fight it out with the police. I don't know what their legal liability is regarding damaging Third Party property in the course of carrying out their duties whilst trying to apprehend someone. Perhaps you do.

Hopefully,if the Insurer indemnifies you for the damage to the property,then they will have subrogation rights against the police to reclaim
any amount that they have paid.