Hi.
I am( was) about to exchange on a property in Warwickshire.
A last minute Chancel Repair Search CRL ( recommended by the surveyor) has established that the property is subject to a possible CRL charge by the local parish church.
I have been offered a bespoke in perpetuity insurance ( £1m) but the policy as I understand has limitations.
I have sought an answer to my question but my legal team cannot/will not answer.
My question is:
Is the church legal entitlement to claim monies from homeowners ( whose land is defined by chancel repair liability ) restricted to repairs only to the chancel area of the church or does the church have a legal right to compel the homeowner to fund all other areas of repair of the church as they deem necessary/required?
My anxiety is that the limitations of any indemnity policy I might purchase will not cover the full liability if it extends beyond the chancel area? Forgive my crass analogy but the insurance offered as I understand it is akin to only have 3rd party fire and theft when fully comprehensive motor insurance is required?
Thoughts please?
I am( was) about to exchange on a property in Warwickshire.
A last minute Chancel Repair Search CRL ( recommended by the surveyor) has established that the property is subject to a possible CRL charge by the local parish church.
I have been offered a bespoke in perpetuity insurance ( £1m) but the policy as I understand has limitations.
I have sought an answer to my question but my legal team cannot/will not answer.
My question is:
Is the church legal entitlement to claim monies from homeowners ( whose land is defined by chancel repair liability ) restricted to repairs only to the chancel area of the church or does the church have a legal right to compel the homeowner to fund all other areas of repair of the church as they deem necessary/required?
My anxiety is that the limitations of any indemnity policy I might purchase will not cover the full liability if it extends beyond the chancel area? Forgive my crass analogy but the insurance offered as I understand it is akin to only have 3rd party fire and theft when fully comprehensive motor insurance is required?
Thoughts please?
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