Sounds very helpful. Thanks but any further suggestions from others welcome

I think I have made a class 1 error then by what you are saying. I did not tell the current insurers about the failed claim as I know I am going to deal with it myself. It was the surveyor they sent who told me I should have done my own investigations first. This is my first home and first insurance so am really new to all this. Do I have to call and tell the new insurers now or I should finish the build and start all afresh. Also with the apology letter, any luck with a template of what the content should be and is it definite they will still record the non-disclosure even though the policy is cancelled?

Really in a big fix and need your help guys. I bought a house two years ago together with a conserrvatory which has been added by a previos owner about 10yrs ago. Unfortunately, this was not built correctly from the start( I have just realised). Previous owner I bought from may have investigated it but patched the problem before sale. Unknowing to me the extent of the problem, I bought the property and insured it as normal as the only questions on the compare site was : Is the house in good state of repair and has it suffered from Subsidence. Two years on, I have noticed further cracks apart from the previous one which has been patched contacted the insurance company to see if I am eligible to claim. They sent a Surveyor to come and inspect specifically for subsidence as they claim that is the only grounds on which they will pay out. Surveyors report came up to say issue is not subsidense related but rather a bad design of the conservatory from the start and inadequate foundation and that issue has been long standing because of previours repair . I got furious that day cancelled the policy and switched my insurance to a diff. provider. I have since been looking for a builder to rebuild conservatorry from scratch. Company contracted by previous insurer has come back to me saying underwriters want to persue the case as Non -disclosure as I did not tell them there have been previous repairs on it. They are therefore requesting to have my pre purchase surveyors report which I have never had so got a copy from the bank. This is where my problem starts. The state of the conservatory was mentioned in the report which was unknown to me as I was a first time buyer and did not know what should have been given to me. Giving this report to them will be their evidence to stitch me up for non-disclosure. Am I under any obligation to give them that report? As I have already cancelled that policy with them, can they still stitch me up for non-disclosure? Is there anyway I can force them to close the case without any further actions as I have now concluded to rebuild the whole conservatory from scratch. NB: the main building is in perfect state just the conservatory which was not built properly. Having sleepless nights as I have heard non-disclosure on my record will be disaster for good. HELP PLEASE