When anyone buys a property with the use of a mortgage, there is an expectation, in fact, generally a requirement, that the buyer will ensure the property is kept in tip top condition. It is critical to read an insurance policy from cover to cover, and back again. If any document was likely to hold the odd surprise at any time, then one of those could. There are always stringent terms and conditions attached to each stage of a fully comprehensive insurance from ensuring no airbricks are blocked in any part of the house where a professional builder has chosen to provide them. These air bricks literally allow external air to flow freely and thus not contain particulates that clog an atmosphere.

On the building insurance side of a policy, it will cover the repairs to any part of the building that is crashed by human interaction, such as someone driving a car through the front window; assuming that this was an accident and not a prank or other action. The Insurers will insist on having an initial first hand review of any incident and if building work is needed, they will send in their assessor for costs. If the property is found to have been neglected or there was more to the vehicle managing to damage te property than first thought, this will be looked at. Any failure to have kept up a modicum of maintenance will be classed as having reneged on the policy by the policy holder. There are always stipulations – in bold – make it quite clear that the policyholder needs to keep all parts in good repair and now allow conditions to diminish because of wear and tear. This goes for all external items such as drain pipes, gutters; roofing issues; gutters and chimney flashings. Looking after one’s castle is essential and much cheaper in the long run to do these jobs on a regular basis.