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You may be wondering if your home insurance covers Japanese Knotweed. While each insurance policy is different, most buildings insurance policies exclude damage caused by Japanese knotweed.
If the knotweed originates from your garden, you may be accused of negligence by failing to take measures to protect your home. If the knotweed originates from a neighbour’s property or land, then your insurance provider may be willing to pursue the neighbouring landowner for the cost of the claim. But again, this changes from provider to provider. The amount that can be claimed will vary depending on the damage caused to the building and will not cover treatment or removal costs.
Don't spend money that you don't have to. Send us some photos of the suspected Japanese knotweed. We will identify the plant for you, let us put your mind at ease.
Should you wish to protect yourself, you can take out specialist Japanese knotweed insurance. This covers you should you ever discover that your property contains any traces of knotweed.
Generally, you do not need to inform your home insurer if you have Japanese knotweed on the property unless they ask you directly. However, if you are asked, it is extremely important that you do not conceal the presence of knotweed from insurers.