House Insurance

piglet · Post by **piglet** » Thu Dec 16, 2004 8:48 pm

I wonder if anyone can shed some light on this problem

We are having a house built. Stage payments so the house(at whatever stage is always ours)

I checked with our lawyer to see if the house was insured (after reading about recent earthquakes). No was the response..the builder only insures for his workmen.

Question. we want to insure the property in case of damage ie earthquake etc. It is only at partly finished. HAs anyone come across this before or do you have any ideas please who we can contact for insurance.
Many thanks

Lesley Jean · Post by **Lesley Jean** » Fri Dec 17, 2004 10:33 am

Hi Piglet, answered your e-mail before I saw this, you could try AFPOP as the other post on this forum has suggested, but the guy I have told you about got our house insured while it was at the begining of the renovations and then re assessed after the work was done, included earthquake insurance.

piglet · Post by **piglet** » Fri Dec 17, 2004 10:56 am

Thanks Lesley

Just read your email. I am going to drop him a line. Problem seems to be something to do with habitation thingy...and it only beeing half built. I will see what he says

Guest · Post by **Guest** » Fri Dec 17, 2004 12:34 pm

I just read my builders contract and you are right.he only covers for third party.......nothing else......I suppose not much can ge wrong until the finishes stage......Earth quakes ....200 years ??..( until last week ) .....but yes sods law I know ....So it seems thay dont insure against all the usual things.......I will also take this up with my builder but Im sure he will now tell me that its up to me....

piglet · Post by **piglet** » Fri Dec 17, 2004 2:12 pm

Hi Guest

If you get any sense out of him, please let me know. My builder does not speak any English.

I never thought about it until the earthquakes and floods, and at what point do they insure it?

Piglet in Ponder

Guest · Post by **Guest** » Fri Dec 17, 2004 2:41 pm

Will do...(All my builders speak perfect english...better than me actually......anyway I wont see him now until after Xmas.....so I will revert then...Merry Xmas and may we have no earthquakes.....