MR HOBBY SPOKE:
He also isn’t able to complain to the Financial Ombudsman for the same reason, and hopes the builder will appeal to them.
Mr Hobby and his family have since moved back into their home after spending life savings on repairing the house and having to borrow money from family.
Mr Hobby said: “As the person most directly affected by it, I actually have fewer rights than anyone.
NO INSURANCE CLAIM POSSIBLE
“How on earth did this happen?
How did I end up picking up all the pieces here? It doesn’t seem fair.”
© BBC He hopes the builder – who hasn’t been named – will appeal to the Financial Ombudsman
A spokesperson for Direct Line Business Insurance told the BBC: “We sympathise with the situation Mr Hobby finds himself in because his builder failed to disclose the full facts when he took out his insurance policy.
“As Mr Hobby is not our customer, we are unable to discuss the details relating to the policy we voided and any questions should be directed to his builder.
“However, when buying business insurance it is important that customers provide accurate information and disclose relevant facts when prompted because it determines whether we will accept the risk.
UNTOLD DAMAGE & DEBT
“Once a policy is issued we make it clear that customers should tell us immediately if any details are incorrect otherwise the policy could be invalid or voided.”
Mr Hobby found the builder by using tradesman comparison website Rated People and said he was “confident” they had found someone to do the project.
Rated People said the builder in question was removed in September after “routine vetting and monitoring processes” and said it now checks for CCJs against individuals on its website.
A spokesperson said: “We don’t insure tradespeople ourselves so insurance providers are responsible for conducting their own CCJ checks, regardless of whether the tradesperson is a member of an online marketplace like ours.
“Our vetting is of the greatest importance and it’s supplemented by ongoing monitoring. Once a tradesperson has joined our platform, they are subject to close monitoring where we keep tabs on their behaviour and performance and react to any red flags.
“If we’re alerted to a potential issue, we swiftly take the appropriate action, just as we did in this case.
Protecting homeowners and the thousands of skilled tradespeople who get great reviews on our site will always be our top priority.