Hi

I have been able to contact the previous owners insurance company which is the Halifax and they told me today that they don't think they are liable cos they say that cos we are not and have never been a customer of theres the ABI Agreement doesn't apply. They also said that they think the valuer should have picked it up.

According to everything that you have told me and what I have read this sounds like a load of rubbish and is there way of trying to get out of the responsibility of paying.

I am going to phone my insurance company tomorrow cos they said that I had to phone the vendors insurance and place a claim. Should my insurance company be the one contacting the Halifax?

Is there anything else that you can advise me on to do.

Thanks

Adele

Sometimes contacting these helplines can prove to be a painful experience.

What I would suggest that you do is phone the Halifax Home Insurance complaints line on 0845 602 7377.

If you provide them with the previous owners Insurance details or their name/address and then explain the situation, they should be able to help you. What I would expect them to do is ask for you to provide a copy of the structural engineers report confirming the subsidence issues and when the problem started. The Halifax should then arrange with you to issue you with a policy and then to register the claim. The Halifax will then appoint their own loss adjuster to handle the claim.

If you point to the Association of British Insurers Subsidence agreement, they should be aware of this.

If the Halifax complaints team prove to be just as unhelpful, ask to speak to the customer service or custromer relations manager.

Huckster

Thanks Huckster

I will give that ago tomorrow.

You have been extremly helpful with my situation