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When was my house built?

When was my house built?
W

hen you compare home insurance prices, you will be asked how old your property is. But if you don’t know, how do you find the answer? And why do insurers want to know in the first place? Find out here.

How risk works

Home insurance premiums, like any insurance premium, are risk-based. The more likely you are to make a claim and cost your insurer money, the more premiums they will charge to cover that risk.

Insurers and their underwriters estimate your risk based on several factors. For example, a property located in a flood zone is more likely to be the subject of a water damage claim than a property located outside a flood zone.

Likewise, a century-old cottage is more likely to have structural, plumbing, or electrical problems than a new-build property, partly because it has been weathered for 100 years and partly because of weathering. how it was constructed and the materials that were used.

But unless your property is new construction, you might not know how old it is. This means that you will need to educate yourself before you can get a home insurance quote.

Find the age of your property

There are several ways to find out the age of your property. Your first port of call should be all the documents you still had when you bought it. Specifically, if you have the title deeds or title register that you received when you purchased the property, the date it was built will be shown.

If you cannot find your title deeds, you can get new copies for £ 3 on the government website.

Alternatively, you can contact your local authority and ask when planning permission was granted for your property.

Alternatively, you could contact the company or person who sold you the property, as they have completed a TA6 Property Information Form that includes the date your property was built.

A quick and easy way to find out the age of your property is to talk to your neighbors, as one of them may already know. Even if you don’t want to go knocking on doors uninvited, many neighborhoods have Facebook groups to discuss local events and issues.

Dating old properties

These methods may be better suited to more modern properties than to much older ones. In this case, you may need to do a bit of research and detective work to determine when your property was built.

For example, Victorian-era properties often feature geometric tile and sash windows, while Georgian-era properties often have flat, symmetrical exteriors. If you’re lucky, you might even be able to find a date stone on your property telling you when it was completed.

Another option that you can try is to search the 2,000 properties listed on the government site, or through the archives of your local registrar.

If none of these options provide an answer, here are some other ways to date an older property:

Why it’s important to know the age of your property

When you buy a home insurance policy, you enter into an agreement with the insurer that states that they agree to provide coverage based on the information you provide about your property.

If you were to give an incorrect age for your property and then had to make a claim, an insurer could reasonably reject it on the grounds that the information you provided was inaccurate or misleading. Therefore, if you don’t know when your property was built, you better not guess.

It’s important to note that some price comparison websites will automatically query sources like the Land Registry and Ammunition Survey to get the age of your property.

Some will tell you they did and give you the option to correct anything that is wrong, while others will not ask you explicitly for the age of your property.

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