Why won’t our insurance pay out for a fault in building work?

The builder went bust before fixing the problem, but our policy covered that eventuality

We built a £49,000 annexe three years ago. Last year we found some bubbling in the external render, which the builder agreed to treat.

There were various delays due to weather and cancelled appointments and then we received notice that the firm was in liquidation. Fortunately, the deal included “a guarantee in the event of the builder ceasing trading”, so we sent a claim to the insurers but they’ve said that because the fault was identified before the builder ceased trading, it isn’t covered. We’ve been quoted £1,600 plus VAT to repair that wall – though the builder warned the other three are likely to have the same problem. JL, Birmingham

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