Home insurance question

[confused18]

Posting for traffic - sorry

Home insurers want our "pre mortgage survey" to proceed with a claim for cracks in the building. I've explained it's not a structural survey just a mortgage valuation done by the mortgage company/bank. Our mortgage provider doesn't issue mortgage valuation reports to customers so I can't get a hold of it. Is this normal/legal? I'm not sure what they can do if I don't have one. Cracks are new, it's not like they would be in the valuation report if they're trying to get out of a claim by saying they're historical cracks/old cracks noted in the report and I have a feeling that's what they're trying to do.

Have you told your insurers that you didn't have a survey done? How long have you lived there?

Moved earlier in the year so maybe 5months now. I told them it was a mortgage survey so a valuation survey not a structural one

It does sound a bit fishy tbh - you've only lived there 5 months, didn't bother getting a survey before buying and are now trying to claim for structural problems. I can see why they are asking for more information or proof of some kind.

I think the only thing you can do is explain that you didn't have a survey, just a valuation, and see what they say.

Yeah Ive emailed them, I've also told the guy who came over that next door have the same crack on the party wall too but he wasn't too interested in that :/