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Indemnity Insurance - Planning

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  • Indemnity Insurance - Planning

    We are getting close to exchange of contracts for a property - just waiting for searches.

    In the meantime, I have managed to obtain a copy of the planning consent approved for modifications/extension to the property which was granted in 2018 and which have been signed off as complete by the building control department earlier this month.

    What I have noticed is that there are some discrepancies between what was approved and what has been done - as follows.

    - Two small areas at the front and side of the property have been clad with coloured UPVc planks whereas the approved drawings show this as render.
    - an upstairs window showed a Juliet Balcony on the approved drawings, but the original window is still there
    - on a single storey extension the approved drawings showed 3 Velux roof lights on the roof, and a window in the side wall for a utility room. None of these are installed
    - the perimeter between the property gardens and the surrounding public space/highway had iron railing boundary fences shown on the original drawing and these were also shown as being retained on the approved drawing, but the owner has removed them all and installed a wooden fence around the whole property.

    My questions are -

    - Are these deviations likely to give rise to potential issues in the future
    - would an indemnity insurance policy cover the costs of any future work required to correct these issues at some point in the future should the planning department take issue with them, or does indemnity insurance only cover issues that did not receive planning, as opposed to work required because planning approval not being followed to the letter.
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