Do you need home insurance for Japanese Knotweed?
As Japanese knotweed is not illegal to grow on your own property, insurance policies do not state against this. However, most home insurance policies do not cover Japanese knotweed treatment or removal costs.
If you are getting home insurance and there is Japanese knotweed on your property, you do not have to disclose the fact, unless asked. If you are asked about the presence of Japanese knotweed on your property then you must inform your insurance company.
It is always best to be honest and up front, as there may be repercussions in the future if you aren’t.
Don't spend money that you don't have to. Send us some photos of the suspected Japanese knotweed, and we will identify the plant for you, let us put your mind at ease.
If Japanese Knotweed causes structural damage like subsidence, then you may be able to claim successfully. This is, ONLY if you have taken reasonable steps to eradicate this invasive plant.
However, there is a clause! If you are aware of the presence of this prevalent and invasive plant and you ignore it, then if it causes structural damage you may not be able to claim for this. This is due to that fact that you have not exercised reasonable care to prevent the spread of Japanese knotweed.
As with any insurance if you make a claim, i.e. for subsidence or other structural damage, you will be expected to pay the excess. However, you must be aware that if you do make a claim then the following years premium will likely increase. Your subsidence cover may also be affected as you may struggle to get future cover for subsidence. Some insurers may also not offer a quote at all in the future! As you are a high-risk premise.
If you have any further questions about how your home insurance is affected if Japanese knotweed is present, contact us today!
Have you found Japanese knotweed on your property? Not sure if you are able to make a claim? Who is legally responsible?
If you need help identifying Japanese knotweed, you first must know that it will look different depending on the current season.
See what treatment options are available for residential properties.
If you think that your neighbour has Japanese knotweed, and may potential spread to your garden, here is a step-by-step guide for tips on what to do next.
If you can't find an answer to your question, call and speak to a member of our team.
Keep up to date with the latest news about Japanese knotweed.