Claim Case Study: Local Authority Search Sewerage issue Background
A personal search company provided a Local Search to a purchaser of a property. The Local Search did not reveal that the property was served by a cesspit in the garden rather than using a mains connection. The purchaser claimed this would have been an influencing factor in their decision to buy the property.
First Title contacted the local water authority who confirmed that, had a Full Local Authority Search been carried out on the same date as the Local Search, it would have revealed that the property was not connected to a mains sewerage system.
Challenge Fortunately for the purchaser, 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 Council. 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.
First Title instructed a suitably qualified surveyor to provide a retrospective valuation of the property to determine the effect on the value of the property by not being connected to a main sewerage system. The surveyor provided a report and First Title made payment to the insured for the amount of ÂŁ10,000, fully compensating the insured for their loss on this claim.
Client Testimonial â€œI would like to take this opportunity to personally thank you for all your help and assistance in resolving this matter. The service I have received has been impeccable.â€? Insured
Call: +44 (0)207 160 8218 Email: firstname.lastname@example.org 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.
Leading Title Insurance 1121-0219