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Thanks for this - very helpful. Three follow-up questions, if I may:
1) would the builders (Crosby Homes Ltd) not have had to establish ROW as part of the obtaining the original planning permission for the build of the three houses? If so, would that be available for us somewhere?
2) does it matter that the ownership of the unadopted road is somewhat unclear as far as the insurance policy you suggest is concerned?
3) would I expect my solicitor to source such a policy or, am I better advised to seek one myself? (If so, from whom?)