Sometimes where building or alterations have taken place there is a Lack of Planning Permission/Building Regulations. Most major building alterations or changes in use of a property require planning permission or confirmation that building regulations have been complied with. In some circumstances, the relevant permissions were not obtained or the relevant documentation has been lost or mislaid. The relevant permissions and certification will be required by a purchaser. In most cases an insurance can be provided avoiding the need to apply for retrospective permissions and documentation.
In what circumstances is cover required?
Where there is no evidence of compliance with planning /or building regulations or there is a lack of the required certification in respect of:
- Extensions/additions/alterations carried out to the property
- Conversions and/or alterations undertaken
- New/replacement doors/windows having been installed (see also Fensa Indemnity)
- Installation of a new or replacement boiler
- Electrical alterations
See also Lack of Boiler/Electrical Installation Certificate
Risks covered: loss of market value, damages and expenses arising in complying with any enforcement notice/proceedings served by the appropriate authority.