Ok I will do I will do it next week and update you.
Thanks alot

Just be open with them that you have a daughter who has been having a few problems and that she had been staying between your house and an aunts, but mainly at the aunts house at the time the policy was taken out. Tell them that she had got caught up in some gang related problems.

I doubt that the Insurers will be able to prove that your daughter was resident in your house at the time the policy was taken out. In regard to any post that may come to your address or various aspects that she may have registered to your address, this does not prove that she was resident at your address.

I would not worry about this, as I can't see the Insurers declining the claim and voiding the policy on the basis of what you have said about this. What you have to remember is that Insurers or the claims assessors that handle the claims will have dealt with similar situations before. I suspect that this type of event is almost a weekly event in some areas.

Sorry it was a typo it is a she and she will be moving to her
grandmothers.
I did report the fire immediately. The house is boarded up I let them
know and said I will contact them later on for the claim as I was at
a friends house and not feeling up to things at the moment.

I was just wondering if my reason for saying she was juvinile and
and mainly residing at her aunts would be fraudulent to them I'm not
sure how I answer the question with the occupancy

Iyer level:

If I was to just say I didn't know the unspent convictions apply to my daughter because she was 17 and I thought it only applied to the adults plus he mainly resides at his grandmothers.

Is your daughter going through a change at the moment (see the bold quotes above) ? Or does someone else have unspent convictions ? Previously you mentioned that your daughter lived with an aunt and now he lives with his grandmother. Confused !

I think you need to report the fire to your Insurers as soon as possible. You should really have done this anyway, but you can explain that you have been in a state of shock. I don't think you really have much choice as your policy will require major incidents such as this to be reported to them and by not doing so, the policy may become invalid. You have to think about what would happen if the house was set on fire again and totally destroyed. The Insurers would not be happy that the first fire was not notified to them, as this would have enabled their contractors to check that the house had been secured.

So I don't think you have much choice really, but to go through the Insurers. If you had family living with you who had unspent convictions, it may not be the case that the policy would be made void from inception. The Insurers may accept that these were juvenile offences that you as the policyholder inadvertently did not disclose. I think you will just have to go through the claims process and see what happens. I don't see that you have a choice.

I have been thinking about this insurance thing and I need to approach
the insurance I needed to clarify something.
If I was to just say I didn't know the unspent convictions apply to my
daughter because she was 17 and I thought it only applied to the adults
plus he mainly resides at his grandmothers.
Would this be looked at as insurance fraud. Or just innocently not
Understanding the question.
I am also confused as to when I put the claim in they ask me the question
if I didn't disclose it earlier as I did not think it relevant would I at that point.

If I end up having to sort the fire damage myself as they won't pay out
I am fine with it. I just don't want my insurance cancelled.
If I know they will maybe it's best not to claim.

I have now deregistered my daughter from my house all her mail etc
as this has all got too complicated.

I hope you can help as I visited the house for first time yesterday
since the fire and really need to get it sorted

Thanks

Ok thanks.

What I mean is if the Police report mentions other recent events at the house or concerns those resident at the time.

I am always of the view that if you have done nothing wrong, have nothing to hide, that you should not stress about things that you have no control over. Just deal with any issues as they come up.

DO NOT make daft decisions now. If you have a mortgage and the sale price does not cover the mortgage, you will be left with a debt. Then where will you live.

Make sure you report the fire damage claim to your Insurers and let them deal with it. If you have reported the claim already and then don't bother, they will think you have something to hide. Once the Insurers know there is a claim and the house cannot be occupied, then they will normally continue the cover on the house. The Insurers contractors would normally make sure the house is secured until they can do the work on the it and during the work, security of the house will be their responsibility.

My advice is to wait until the Insurers have repaired the house and then make a decision about whether you wish to sell it or not.

They would have to have a pretty good reason to delay dealing the claim and I can only see this happening as a result of the Police report directly into the fire. So it really depends on what the Police report says and how the Insurers react.
Can you explain what you mean.

Also is their a problem if I am not living at the house. It is not occupied although I plan to check on it.

I just called an estate agent to see if I could sell it and not bother claim. Im very stressed.

They will only provide information that is purely related to you and the fire at your house. They won't disclose information that relates to someone else, because this is a criminal investigation. The Insurers should not see it either, unless it is disclosed as part of a court process, I believe that if this ever gets to the stage where someone is taken to court, that as part of the legal process the various statements would be on public record, as they would form part of a court process.

If you are worried about statements to Police already provided by your daughters friend, I doubt that the Insurers would ever have sight of these, but if they did it would be many months into the future when and if any court case was brought against the person who commited the arson or related crimes.

The Insurers should just get on with dealing with your fire claim, based on the information that is available to them currently. They would have to have a pretty good reason to delay dealing the claim and I can only see this happening as a result of the Police report directly into the fire. So it really depends on what the Police report says and how the Insurers react.

Yes he did stop for one night.

Do you know if the police are able to give details relating to a crime reference number. So I can see what they are saying?

Thanks for your help

You only answer questions regarding unspent convictions about people who are normally resident in your house.

So if your daughter is not resident because she spends most of her time at her aunts, you don't have to include her within your answer.

As with all matters, you only answer the questions as they are put to you.

In regard to your daughters friend who stopped one night, if you are asked, I would suggest that you tell them that he is a friend of the family who stayed for one night or a couple of days. YOU MUST NOT give the impression that your daughters friend was a lodger. If you tell them he was given a key, they will think you have taken in a lodger and this may cause you problems, as the policy may exclude this.

Thats ok. I was going to ask if my daughter had the unspent convictions. She went to live her aunt at the time I could answer no to anyone having unspent convictions and could argue I did not disclose because she did not stay there. Is that a good enough reason. Her aunt could verify it.

Would they want to know if they have documents registered at my address?

Also would they only void it depending on the conviction?

No. Sorry I cannot help beyond answering general points via this forum.

It appears to me that you need to get local help with this. It cannot be very nice getting dragged into gang related incidents, so you must involve the Police and your local council authority. They should have people who are professionally qualified and responsible for dealing with issues. Even though your house may be privately owned, the Local council authority will still have people that help with neighbourhood issues. If you don't get the help you need speak to your local councillors or your local MP.

Do you have a contact number

It would be pretty irrelevant anyway. A fire is a fire, so it does not matter whether it is gang related or not. As long as no one who resides in your home was responsible for arson, then I cannot see an issue.