Anyone know what happens here, when the renewal letter arrives for insuring the house and contents ?
Does the executor just send off the cheque for renewal or does he/she have to disclose that the owner has died and the house is empty ?. I would imagine that full disclosure has to be made.
This may have been covered somewhere else , but I do not see it.
When renewal is issued by the Company/Broker, just hand it over to the solicitor acting for the deceased. Insurance co is then obliged to continue cover until sale of the property.
Otherwise, impossible to insure unoccupied property.
I managed to get insurance for unoccupied properties on two occasions, but they would only cover the building against fire and storm damage, but not contents or anything else.