If you discover that the previous owners of your property made changes without the appropriate permission, it’s your responsibility to fix them if you are instructed to do so by your local authority – even though you didn’t make them. This is simply because you’re now legally responsible for the listed building in order that its heritage can be protected for the future. We understand this can be unexpected and expensive, so we offer insurance that covers this as standard, if your conservation officer requires you to make good.