Has anyone any experience of Squatters? - Page 13

Kimmy11 wrote on Wed Sep 8, 2021 3:07pm:

Hi Keith,

I´ve just checked my property insurance and there is no specific mention of ´squatters´.  However, under the section "All risk accidental damage", the list of exclusions includes a clause, "g. Damaged caused by a third party not related to the insured" which, of course, means the policy e...

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...xcludes any damage caused by squatters.  To be sure, I think you´d need to check your insurance policy or phone your insurer.

Kind regards,

Kim

Keith001 wrote on Fri Sep 10, 2021 12:35pm:

Hi Kim 

I've just checked with my insurer 'Intasure'  and asked them the question about squatters and any malicious damage they might do to our property building.

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This is their reply:

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"Thank you for your e-mail

The underwriters have confirmed the following:

We would not class squatters as persons lawfully in the Home or Holiday home.

Every claim is dealt with on its own individual merits. If you have more questions around this you can discuss with our claims team."

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I'm still not convinced so I think I will ask their claims team,

The reason being is their other statement below:

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Our right to cancel:

We are entitled to cancel this policy, if there is a valid reason 

to do so, including for example:

(i) any failure by you to pay the premium; or

(ii) a change in risk which means we can no longer 

provide you with insurance cover; or

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This is my reply to my insurers: 
Do you have an email address for your claims team? Can you forward this email to them?

Although you have confirmed that squatters are deemed as unlawful you also have the following statement in your policy:

Our right to cancel:
We are entitled to cancel this policy, if there is a valid reason to do so, including for example:
(i) any failure by you to pay the premium; or
(ii) a change in risk which means we can no longer provide you with insurance cover; or

(iii) non-cooperation or failure to supply any information or documentation we request, such as details of a claim or circumstance

So am I right in assuming that if person(s) squats in our property in Spain , you could cancel our insurance policy with 30 days notice?

Basically , if someone breaks into our property in Spain and claims 'Adverse Posession' we cannot enter the property and have no means of knowing whether they have damaged our building. To evict a squatter from a property in Spain through their terrible court system can take 1-2 years so that gives you an opportunity to cancel the policy before we can put in a claim for any building damage?

What is the point in renewing our policy with such a vague statement?

tebo53 wrote on Fri Sep 10, 2021 2:45pm:

Hi,

Yet another alarming squatter story:

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https://www.euroweeklynews.com/2021/09/10/three-squatters-in-fuerteventura-arrested-after-throwing-a-man-from-the-third-floor/?idU=1&utm_source=newsletter_927&utm_medium=email&utm_campaign=euro-weekly-news-latest-news&acm=12786_927&acm=12786_927

Steve 

Lee 03189 wrote on Fri Sep 10, 2021 3:12pm:

SHOCKING !!! - The Law should be changed ASAP

Alfapash wrote on Fri Sep 10, 2021 3:51pm:

Well at least in this case the guardia actually did something.

Kimmy11 wrote on Fri Sep 10, 2021 2:29pm:

Hi Keith,

I agree that the clause,

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"(ii) a change in risk which means we can no longer provide you with insurance cover;"

gives your insurers the perfect excuse to wriggle out of their liability - unless you had burglar-proof doors, window locks and rejas all around, and a monitored security alarm.  Even then, I think they'd find a way to wriggle out of paying up 🤔

Kind regards, 

Kim