Home Old unoccupied house

Stronge

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My sister has been left an old unoccupied house plus some land valued 80K. The property was insured but the insurance company have now been
in touch to say that they have been informed this house is unoccupied! The house is in very bad repair so it would have to be built from scratch. She was wondering if she could just get Public Liability cover in case some one broke in and was injured and made a claim against her. She was told that the premium would be much increased as the house is unoccupied. The Insurance Co are sending someone out to take photographs of it. She just wondered what the position is without asking the insurance co involved.
 
The house is in very bad repair so it would have to be built from scratch.

Would it not make sense therefore to knock it down now or possibly leave just enough to use for maintaining planning approval. An architect might be able to advise.
 
If its in that bad a shape, clean it out board it up and dont insure it at all. If your not afraid of it burning to the groud then you dont have to worry. Once your not neglegent a third party cannot sue you. If the property is clean, safe and secure you will not be found neglegent for the actions of a third party. There is plenty of case law to back this up
 
Thanks for the replies,I thought if someone broke in and were injured you were liable?
 
OP is correct - if someone broke in, got injured and proved negligence against them, there is a potential liability. Also, if someone gained access to the field attached to the property and was injured, there is a potential liability there. She should be able to obtain cover for both the dwelling & the field.


www.powerinsurances.ie
 
OP is correct - if someone broke in, got injured and proved negligence against them, there is a potential liability. Also, if someone gained access to the field attached to the property and was injured, there is a potential liability there. She should be able to obtain cover for both the dwelling & the field.


www.powerinsurances.ie


Proving neglegence in this type of claim is not straight forward unless there has been a total disregard for safety. The duty of care to a tresspasser is at the lower level of "reasonable care". A search of case law in the area gives a clear accout of requirements.
 
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