Home Information Packs – Optional Items (2)

Legal summary This is an optional summary of the legal content of a Home Information Pack which could be helpful to buyers, although it does not remove the need for buyers to take their own legal advice.

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Home Information Packs – Optional Items (1)

Home Condition Report This is a report prepared by a qualified Home Inspector containing information about the physical condition of a property, which sellers, buyers and lenders will be able to rely on legally as an accurate report. The benefits of a Home Condition Report include the following: i) Sellers who commission a report will…

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Home Information Packs – New Build Homes

New Build Homes Home Information Packs for newly built homes must have a certificate (or interim certificate) showing the rating that the home has received in respect of the Code for Sustainable Homes or a nil-rated certificate showing that the home has only been designed to meet current Building Regulations. The Code for Sustainable Homes…

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Home Information Packs – Compulsory Items (5)

Evidence of Title The fifth compulsory is item is the Evidence of Title i.e. documents that prove that the seller owns the property and therefore has the right to sell it. Where the property being sold is registered, certain documents that are available on request from the Land Registry must be included in the Pack….

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Home Information Packs – Compulsory Items (4)

Standard Searches The fourth compulsory item is the standard searches i.e. i) The local land charges register official search certificate – this can be obtained from a personal search company or the local authority direct. ii) Local enquiries – other records held by the local authority on matters of interest to buyers e.g. planning decisions,…

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Home Information Packs – Compulsory Items (3)

Sale Statement The third compulsory item is the sale statement provides some basic information about the property i.e.: i) The full address ii) Whether the property is freehold, leasehold or commonhold iii) Whether the property is registered or unregistered iv) Whether or not the property is being sold with vacant possession

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Home Information Packs – Compulsory Items (2)

Energy Performance Certificate The second compulsory item is the Energy Performance Certificates rates a home according to its: i) Energy efficiency on a scale of A-G where the most efficient homes are banded A. ii) The impact the home has on the environment again on a scale of A-G where the home with the lowest…

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Home Information Packs – Compulsory Items (1)

Home Information Pack Index The first compulsory item is the index which lists all of the documents contained within the Home Information Pack (HIP) and provides details of any compulsory documents which are missing and the steps being taken to obtain them. The index provides a checklist for sellers, buyers, estate agents and enforcement authorities….

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New Support Team from Royal & Sun Alliance

Insurance company Royal & Sun Alliance are introducing a new support team for its insurance intermediaries with the aim of improve its communications infrastructure. A strategic relationship manager will lead the team and be assisted by a trading partner, a service delivery partner and a claims delivery partner. The new roles have been piloted with…

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Insurance Claims – Reservation of Rights Clause

AXA, ACE, AIG, Allianz, JLT, RSA, XL, Zurich, HSBC, Lockton, Marsh, Willis and Loss Adjusters Crawfords are all backing Airmic in their attempt to resolve large claims within 90 days by limiting the use of the reservation of rights clause which it is thought insurers are routinely invoking. The reservation of rights clause effectively puts…

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