Is the property in a good state of repair, will it continue to be well maintained and is it situated amongst properties that are well maintained?
A well maintained property is one without structural problems such as dry rot, rot or infestation requiring timber or window replacement, damp, roof or chimney stack damage, faulty wiring or incomplete construction.
Is the property currently occupied?
Is there a business currently trading from the property either run by yourself or by a tenant.
Will the property continue to be occupied for the next 12 months?
Do you know of any reason why the property will not remain occupied for the next 12 months.
Is the property in an area free from flooding and not unduly exposed to storm?
Is the property in an area free from risk of flooding from overflowing rivers, canals, heavy rains or inundation from the sea?
Is there a direct tenancy agreement between the landlord and all of the tenants?
The most common tenancy types in the UK are the assured and assured shorthold tenancy in England and Wales and short assured tenancies in Scotland:
Is the property within ¼ of a mile of the nearest river watercourse or sea?
Is the property to be insured within ¼ mile of any river, stream, reservoir or sea?
Is the property due to undergo alteration, repair or renovation within the next 12 months?
If the property is to undergo alteration, repair or renovation within the next 12 months, please tick yes and provide further details.
Has or is the property showing any signs of movement or subsidence?
Has there been any sinking, settling or movement of the land on which property is situated. If you have a recent surveyors report or mortgage valuation report, you should find the information there.
Have you had any insurance claims at this property in the last 5 years?
Please disclose full details of any claim made at this property if proceeded with or not.
Have you ever been declined insurance or offered any special terms?
Have you ever been refused insurance or had special terms imposed by any insurer in respect of any previous property insurance application. If 'yes' we will require full details to be able to provide a quote.
