RE: Can you claim for dry rot on buildings cover??
Yeah I found tha tlink myself earlier on today. The thing is, whilst my policy doesn't specifically say 'rot is excluded', it's not listed specially as one of the items that is covered by my policy either. That said it'd be difficult to argue that it fits into one of the items that is covered.
Tbh I don't know what the orginal cause of the rot was, be it flood, leak or whatever. Apparently the timbers are of poor quality anyway and ym joiner said that is something that should have been picke dup on my survey - and theres the rub...
When buying this house - my first - I didn't have a clue and relied on the company arranging my mortgage, solicitor and estate agent to advise me. The estate agent and solicitor were useless, they didn't point out any of the important issues to us that we should have been aware of but may not have been aware of if you get me as first time buyers. In terms of the survey, as part of my mortgage agreement that had to be arranged via the mortgage broker. I had a little money at the time, so I asked for the full survey (costing about Â£500). Sent my from off tot he mortgage broker with the fees they had asked for. A couple of days later they rang me up, apparently those fees only included the basic home buyers survey which according to them everybody went for. So I said 'ok, I'll send you a cheque for the oustanding amount'. To which the lady on the phone replied 'well if your sure, but it may take a few weeks to arrange the full survey and tbh, there really isn't any differenc ein the home buyers survey and the complete survey. they both cover the same things, except with the full survey, you get a more detialed report at the end of it. the home buyers survey will cover everything the full survey does but you'll only get a brief report telling you about any major concerns or faults they have found.'
So me not knowing any better I fell for that, obviously I've since found that out to be bollocks but after you sign the contracts theres obviously nothing you can do, especially not two years down the line when you start to discover faults like this (of which there are many!!).
So at the moment I'm feeling stupid, ripped off, deceived, p*ssed off, you name, but overall I'm bloody brassic as a result of this house. Its causing no end of problems and arguments between my partner and myself, considering we saved for so long and worked so hard for our first home, it just seems so wrong.