You’ll need to have a rough idea of the date your home was built to get buildings insurance.
When looking for home insurance quotes, your insurer will want to know the year your property was built.
Older properties often contain high risk materials, such as asbestos, or materials that are difficult or costly to replace. These materials could increase your perceived level of risk and push you into a higher home insurance bracket.
You may be able to find the age of your property by:
If you have a mortgage, or are in the process of buying a property, you’ll have had a survey by a chartered surveyor. The age of the property is usually stated on the survey or the title deeds.
These documents may also help you understand what building materials have been used to construct your house.
A survey can cost anywhere up to £500, but it’s usually a condition of taking out a mortgage loan.
Depending on the age of the property, your local authority may have documents detailing when planning permission for your home was granted.
Land registry records land ownership, not what’s built on the land. This could make finding the exact age of your property difficult, but it may help.
If your property was sold to you as a new build by the property developer, you could find out its approximate age using the date of the first transfer or lease by the developer, as this date is often referred to in the register.
A neighbour may have previously aged their own property. They may have a home survey, or equivalent document that states the age of their home. If your houses look similar, this could mean your home was built around the same time although it’s not always the case.
If you are in the process of buying the house, ask your seller or their agent. As part of a sale, the seller must complete a ‘Seller’s property information form’ which may contain the property’s age.