Ask What Has Already Gone Wrong

A current policy does not reveal every previous loss. Claims, declined claims and uninsured repairs can expose recurring defects and future coverage restrictions.

Loss-history file

• Request the seller's disclosure of insured and uninsured incidents.
• Reconcile claims with repair invoices, photos, inspection reports and warranties.
• Ask the juristic person or estate manager about building-wide water, fire, storm and liability events.
• Identify recurring causes rather than accepting cosmetic repair.
• Give the proposed insurer accurate occupancy, rental, vacancy, pool and hillside information.
• Make cover availability and major unresolved defects part of the buying decision.

Review insurance due diligence, maintenance history, buyer support and management.

Next step

Phuket Stay Pro can add loss history to the technical and insurance review.

Fact check

Disclosure duties, insurer records, exclusions, premiums, claim acceptance and insurability vary. Confirm current evidence with the seller, manager, insurer, inspector and independent adviser.