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Assessing the property (Legal Title Requirements (Absolute, Good leasehold…
Assessing the property
Lender- Basic Property Information
Legal Title Requirements
Absolute
Good leasehold
Possessnary
Qualified
Adverse possession (Unregistered)
Adverse possession (Registered)
Property Disputes
Boundaries
Trees or hedges
Access
Noise
Tenure
Freehold
Easement
Covenants
Flying freeholds
Leasehold
Restrictions/obligations
Term of lease
Local Authority Flats
Location
Type, age, and condition
Condition of the property
Property Construction
Unacceptable
Prefabricated Housing
Concrete panels
'cast in situ'
Mundic Blocks
Mundic decay
Insurance Issues
Flood risk
Flood Re Scheme (Reinsurance Scheme)
Annual levy
Subsidised by all home insurers
Premium and excess
Capped premium
Determined by postcode
re-insure for lower premium elsewhere
Increased competition
Wider choice and competition
Premium added to original home insurance
Claims and settlement
Claims settled separately.
Eligibility
Built prior to 2009
Insured
Council tax band