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House insurance

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Bambiagain | 18:05 Wed 02nd Mar 2011 | Insurance
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This is a hypothetical question related to something I'm writing, not something I'm proposing to do! If someone buys, for cash, a house in need of renovation without having a survey carried out, would they:

a) be able to get it insured?

b) have any exclusions on the policy?

c) if the answers to a) and b) are yes and no respectively, have problems when they make a claim for, for instance, dry rot discovered after the purchase and insurance?

Thanks!
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A) Yes
B) Depends what perils you insure for but policies exclude gradually operating causes/wear and tear etc and dry rot/any mold or infestation would almost definately not be covered
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Thank you Woozer. Just the answer I needed!

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