Claim Case Study: Local Authority Search Disabled facilities grant Background A Local Search carried out by a personal search company on a property did not reveal that the insured’s property was subject to a Disabled Facilities Grant registered by the previous owner. The insured moved into the property and subsequently received notice from the Local Authority that there was an outstanding local land charge due.
Challenge Fortunately for the insured, they had obtained a Regulated Local Search. All Regulated Searches are required to adhere to the Search Code, which requires suppliers to provide additional consumer protection to cover errors and omissions in the source data held at the Local Authority. The Local Search in this case benefited from an insurance policy from First Title Insurance, which provided cover for loss arising from any adverse entry that should have been
revealed by a Local Authority Search carried out directly with the Local Authority (had one been obtained on the policy date) but had not been made available to the personal search company at the time of their visit.
Solution First Title accepted the claim under the terms of the policy for the Local Land Charge, which was repaid and removed from the register.
Client Testimonial ‘I found the experience to be refreshingly straightforward. First Title’s communications were clear, reasonable and within the timescales he stated. I didn’t have to chase and could give my client meaningful updates all the way through.” Client, Home Property Lawyers
Call: +44 (0)207 160 8218 Email: online@firsttitle.co.uk Visit: www.firsttitleresidential.co.uk First Title Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. First Title Insurance plc is registered in England under company number 01112603. Registered office: First Title Insurance plc, ECA Court, 24-26 South Park, Sevenoaks, Kent TN13 1DU.
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