The Rule That Could Void Your Entire Property Insurance Claim | Let's Chat Property Ep. 27

Pinder from Falcon Insurance breaks down what property investors consistently get wrong on insurance. Reinstatement value vs market value, the 50% underinsurance rule that voids claims, why auction buyers need cover the moment the gavel drops, and when to switch to a portfolio policy. Real talk from 19 years in the game. If you've got property, this one could save you thousands. 0:00 Intro — Who is Pinder? 1:00 Reinstatement value vs market value explained 6:00 When to insure at auction vs private sale 7:00 Why use a broker over online insurance? 11:00 The 50% underinsurance rule that voids claims 15:00 Listed buildings & specialist rebuild costs 18:00 Portfolio policies — when & why to switch 20:00 Getting tenancy types right on your policy 21:00 Final advice for property investors 🥇 Bespoke Approach 🏠 BTL Finance 🏢 Commercial Finance 🌉 Bridging Finance 👨‍👨‍👧‍👧 HMO Finance www.cpcfinance.com