We are in the process of buying a house and have discovered that a couple of years ago the house suffered from movement. A eucalyptus tree was removed from the driveway and the house was repaired. The house was monitored and there were no signs of further movement. The house was issued with a Certificate of Structural Adequacy in September 2016.
We had a building survey done last week. The surveyor told us that in his view the house is no more likely to suffer further movement than other similar houses in the area. We are in London so clay soils. He has recommended that an overgrown pyracanthus in the back garden is 'killed and poisoned' and we ask the LA to prune a tree on the pavement outside.
We need buildings insurance 'on standard terms' as a condition of the mortgage (obviously we would want it anyway). When we initially phoned for quotes for buildings insurance companies wouldn't quote - some said 1 year from the date of the Certificate of Structural Adequacy and our current insurer (on our house) said 5 years . We were told we could get insurance from the current provider but our solicitor sees this as risky if we don't have a choice of provider. It now seems we will be able to get some quotes.
I have read articles from house owners who have struggled to get insurance or sell a house with any history of subsidence, even many years ago.
We love the house and we haven't seen anything else we would want to buy and I have been stalking Rightmove for a long time. Having said that, we don't have to move. We are moving for a bigger garden, better layout and more potential.
Are we mad to buy this house? Should we walk away? I don't know if our hearts are ruling our heads.
Thank you.
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Anyone bought a house with previous subsidence?
6 replies
CycleHire · 26/04/2017 09:10
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