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My mortgage has a term that subsidence insurance cover must be maintained by the freeholder on the property of which I lease the ground floor. The freeholder (a limited company) is saying they cannot now get a policy with that level of cover and investigations seem to back that up. If the freeholder has used all their best endeavors to try to get a commercially available policy but finding it not possible does that still mean I am in breach and would a court would support that position and the lender could then foreclose?.
Am I in breach of mortgage agreement?
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