Will an insurance company insure our home if there is a unpermitted cottage? - insurance company slogans
I buy a house in foreclosure (Saratoga, CA, can not transfer the insurance since it has already expired), which did not allow it, independent house (2 bedrooms, kitchen, bathroom and a total floor space of 900 square meters), the main house also has a converted garage not permitted as an input for one quarter of the Act (individual bathroom), a solarium are also not allowed to be used. I love the house and tried to find home insurance, but it seems to me that no-one insurance. Is it possible to obtain insurance for this house, without lying about these unauthorized additions to the insurance company? Any advice would be appreciated and any suggestion that the insurance company I would be a reasonable price. Thank you in advance.
Monday, January 4, 2010
Insurance Company Slogans Will An Insurance Company Insure Our Home If There Is A Unpermitted Cottage?
2 comments:
I think you should go to the local building authority (city or county) and request a permit to construct these structures are not allowed. Although expensive, it is preferable that the code enforcement to come, knowing that these additions / properties and can not go to court, seeking a court order that you (1) Get more for building permits, or (2) they are.
It is more expensive to conduct, and have come to seek help in court (assuming that no applications) meet on building permits, because you have to pay any legal fees if to win.
I think the building permit application with the Ministry of Construction in the city. Make sure that it built the city, otherwise you must go to County Building Department.
In addition, if the bank does not know that these additions are permitted, there would be a resource. Most attacks are sold as is and requires care to the buyer. A policy of title insurance may or may not deter unauthorized additions (DEPends) in the formulation of policy. As I recall, does not guarantee a title insurance that you are marketable title to the property have.
First, did you know that the property had also not possible when starting my Prosess
IF YOU DO NOT SEE a lawyer.
When buying a property with poor pay nothing for unauthorized party. Time, many even Bargin for the property value. because of problems.
Call it building, which is necessary to bring goods, the legal situation. in many parts easier than the remuneration of the construction. May and others, to demolish the buildings are not allowed.
PS GET particularly in writing by the Ministry of Construction.
If the bank does not disclose the defect when he started the foreclosure sale. I hope that you have title insurance.
When this happens, see a lawyer
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