Ask an Property Solicitor. Get an Answer ASAP.
Hello my name is Jamie and I will help you. I am just reviewing your question. This is an email service so there may be delays when responding.
Can't you just tell the insurers now its been modified?I assume you had planning permission etc?
Assuming you just tell your insurers and you had planning permission/building regs, it wont be a problem.
Insurance just covers risk. It will be a term of your mortgage that you have it insured. So by not having it insured correctly, you are likely to be in breach of the terms.
So get it done asap, then the position is regularised.
Can I clarify anything for you about this today, please?
If not, I would appreciate a 5-star rating for my answer, by clicking the button at the top of the screen. I am not paid for my time unless you rate. If you need anything further I am available for a follow up at no extra cost.
Yes, I can call today. Later this afternoon if that helps.
I think a colleague has accepted the call