Hi
Applying for planning over the next couple of weeks perc test being done this Friday.
The garage is not commercial just your standard sized one
The question I have: does having a garage in the house cause issues with insurance? When I say in the house there are also rooms over it. The solicitor dealing with the site transfer commented regarding insurance issues.
The garage will be built to building regs fire protection etc.
Could this cause any issues? tks
Offhand, I would not have thought so but this is on the assumption that this is for domestic use as distinct from any element of home office or the like.
However, given the legally strict - sometimes slippery -nature of insurance proposals it would be a good idea to obtain verification
in writing from the underwriters that the proposed development would fall within the ambit of policy cover. Personally, I would send the insurers a photocopy of the relevant architectural drawings with my query.
Also, you need to be sure that all the correct insurances are in place to cover any potential losses sustained
during the course of construction. Most builders will that they have full employers' liability and public liability insurance - aka as the
"yeah, we're fully insured" routine. It oft turns out that they are fully insured for
their legal interests / liabilities but maybe not yours. Also, you need to be sure that the relevant material damage insurance is in place to cover the entire premises against the usual events like fire, storm and so on which could happen during course of construction.
This all probably sounds like overkill. However, my dealings with some insurers tells me that you just cannot be too careful with them and that you really need to nail them to the floor before any potential problems arise.
I endorse your solicitor's caution about insurance issues.
Finally, be sure that your sums insured are adjusted suitably to cover everything adequately.