Due to move into my new home in Hockley Heath next Tuesday. I have now been asked to send a copy of my building insurance schedule by my solicitor as he says that he has to check this in his capacity as lawyer for the bank. What risks does the mortgage company expect the insurance to cover?

Any lawyer on acting for mortgage companies would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s Part 2 instructions. These obligations are not limited to conveyancing in Hockley Heath.

Do banks and building societies provide you with an approved list of Hockley Heath conveyancing solicitors? How do you know who is on the RBS conveyancing panel?

Hockley Heath conveyancing firms themselves provide us confirmation that they are on the RBS conveyancing panel as opposed to being supplied with a list from RBS directly.

My home in Hockley Heath is up for sale and I have accepted an offer. Will my conveyancer have to be required to be on the Coventry BS conveyancing panel in order to deal with the discharge of my mortgage?

Ordinarily, even if your lawyer is not on the Coventry BS conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently currently.

I need to find a conveyancing solicitor for some conveyancing in Hockley Heath. I happened to discover a site which looks to be the perfect offering If it is possible to get all this stuff completed via email that would be ideal. Do I need to be concerned? What are the potential pitfalls?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

Should one remove a departed person's name from the title register for a property in Hockley Heath?

Where a Hockley Heath property is jointly owned and one of the proprietors passes away, their name will not automatically be removed from the Land Registry title. You are not required to remove their name as when it comes to a sale you would just be required to evidence why the other owner is missing from the transfer, usually this is in the form of a grant of probate.

With the aim of making things more straight forward for the sale of the property you may arrange to have the deceased name removed from the title register by submitting an application to HMLR with evidence of the death. There is no charge from the Registry for this service.