empty properties and insurance

[mandimoo]

someone elses question has prompted me to ask.... how can i find out if the empty property next door is insured? the property is derelict and needs partially demolishing and rebuilding and we are next to it in a terrace and the state of it really annoys me. i have reported it to the empty property officer (who seems pretty useless), but where would i stand insurance wise, say if the building collapses in some way and takes some of our house with it. cos i dont even know who owns it or if its insured.

[bednobs]

i would guess that your insurnce wuld cover it

[wishy123]

Your insurance would not necessarily cover it - check with your insurer. This would be covered as Accidental Damage but not all policies provide AD cover for buildings. You can probably get this cover for an additional premium if it's not already in force.

On the wider issue, there is no central database of property or liability insurance as there is for motor insurance - you would have to trace the owner through the Land Registry and then contact them to find out if there is a policy in force.

[fiesata]

I believe it's the case that if a building is demolished and is joined onto your house they have to make good your outer wall but if it is due to other means eg fire earthquake etc I'm think they don't

Check with your insurers what would happen from their point of view

[DrFilth]

check with your council if it causing damp etc to your house , it takes time but the council do try to help. read this link about a house in manchester. the owner kept putting off doing anything to his property so in the end the council purchased the property at a low price.

http://www.manchester...ownloads/Report11.pdf