Motoring7 mins ago
Japanese Knotweed Insurance Cover
Does anyone know if a normal house insurance policy covers the costs of eradication of japanese knotweed if it appears on the property after you have taken out the insurance policy ? An acquaintance of mine in the west country has just had her house declared worthless because of jk invasion, and I want to know if my regular house insurance would cover the problem. ( This acquaintance is several counties away from me, I might add.) If I am not already covered, I am prepared to take out a specific policy to protect my house and garden from this, if anyone can tell me where to find cover.
I have rung my own insurers, but the call centre can't make sense of their own policy terms. Neither can I.
I have rung my own insurers, but the call centre can't make sense of their own policy terms. Neither can I.
Answers
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https:/ /consul tations .rics.o rg/cons ult.ti/ japanes eknotwe ed/view ?object Id=1228 372
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Might do if it looks like this...
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Interesting, but not the answer I need. No mortgage is involved, so no loan needs to be covered. It is my own funds which could be devastated by an invasion, and I don't wish to be put in the position of my west-country acquaintance. Nor do I wish to be bankrupted by rampant Mother Nature.
Any more advice out there, please ?
Any more advice out there, please ?
In general terms, no a home insurance policy would not cover this type of thing. Insurance covers the cost of repairing damage to your home caused by a one off event of the perils listed in your policy, ie fire, theft, flood etc. The only situation i can think of where an insurance policy would cover it, would be if the Japanese knotweed was causing your home to Subside. I've never heard of this happening so I don't know if it is possible, but Subsidence is one of the perils you can insure against, so if the knotweed was causing subsidence, your policy would cover the cost to remove the cause, ie the knotweed, and repair the damage to your house.
I'm not aware of any specific insurance cover that you could take out to cover it.
I'm not aware of any specific insurance cover that you could take out to cover it.
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