police liable???????????

[Lornasg]

I rented my house out. The police/court evicted tennants and closed it for 3 months.
Vandels broke in and stole copper piping, boiler, taps, door handles.
This ruined carpets flooring and kitchen units.
It is going to take £10.000 to repair the house.
Are the polive liable for to pay this as they were in poccesion of the house and I was not even allowed to get a plumber in.

[Lornasg]

I had to cancel my insurance because the house was empty and you cannot insure a property that is going to be empty for 3 months

[redcrx]

of course you can insure empty properties

[crystalbee27]

We've just moved into our house after renovating it for 6 months -it was empty all that time -we insured it no problem through our normal insurer. The policy lasts just 3 months and costs about as much as it normally does for a year -and you can renew after the three months. there are stipulations, such as the windows and doors must all have 5 lever locks and any 'contents' such as work tools or stored furniture is not covered. why were you not allowed access to your own house by the police? -Was it a Crime Scene?

[bednobs]

It is not the polices fault that someone broke in They must have left it securely if someone had to "break in" to do that.
Why was the house 'closed'? was it the scene of a crime (before it was broken into)?

[Twenty20]

Firstly, the police don't evict tenants. You get a bailiff to do that.

Likewise, the police or courts don't 'close' a house for 3 months after an eviction. Maybe if it's a crime scene they would but then you wouldn't be talking about eviction, you'd be talking about an arrest.

As redcrx says, it's perfectly possible to insure an empty property. I think what you are saying is that you cancelled your insurance.

As you have no insurance, any loss is down to you.

[Lornasg]

I rung my insurance up (churchills) and they told me I could not insure it if it was unocuppied for over 30 days.
The police/ court closed the house and evicted the tenants for unsociable behavior.
When it was broke into the 1st time, The police told me I could not get a plumber to go round because they were liable whilst it was in their pocession.
They had a plumber go in 2/3 days after and turn off the water but it had already wet all the carpets etc. they just turned the water off and shuttered it back up so it has been wet for 2 months.

[crystalbee27]

Lorna -i would change your insurance company.....they are talking a load of rubbish - we refurb houses for a living and have unoccupied houses sometimes for 6 months -its expensive -but not as expensive as not being insured if anything happens

http://www.click4quot...roperty-insurance.htm

[Le Chat]

Churchills meant that the property would be uninsured under your current policy if it was left unattended for 30 days. That does not mean that you could not take out another policy for an unoccupied property...Perhaps you did not make the situation clear when you enquired?