Hello, welcome to the website. My name isXXXXX can assist you with this.
In answer to your questions:
1. This will depend on the terms of the insurance policy that you have. Normally, they only cover their own surveys, not yours which you might have acquired without their consent.
2. If the tree is the cause of subsidence, and a future claim is made in another policy year, then you might be liable for it, yes. This will depend on the renewal terms of the policy and what you agree to in them.
As to selling the property, and information to be given, you would only have to give this information if asked.
This mighr be identified though on surveys carried out by surveyors, as is common with house purchases. There is therefore a real risk that you might need to identify this to a prospective purchaser.
Thank you for the reply, which is helpful in relation to our future liability and the need to disclose these matters if we sell..
I am not sure you have understood that is our neighbour's insurance we are concerned with, not ours. We have no input into any renewal. We want to know whether the neighbour's insurers can be asked to pay for any further investigations/tree work we may in the end have to do. Have I a right to insist that the cost of any survey of trees on my property that I make because of my neighbour's claim can be paid as part of that claim?