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Help with accidental water damage
CaptainSensible
Posts: 19 Forumite
Hi,
I have a flat which is rented out. It is in a block of 4 flats and we have a joint Buildings Insurance Policy. The flat upstairs have had a plumbing problem following a renovation resulting in a leak that has brought down the ceiling in the bathroom in my flat. Replastering of the ceiling and redecoration of the ceiling and walls is now required.
I am being told by the commonhold secretary that the Building policy does not cover anything other than the external fabric of the building and common areas.
The owner occupiers upstairs have a contents policy (presumably with some liability component), but they are being told by their insurer that they are not covered for damage to my property.
My tenant does not have insurance. I do not have landlord's insurance.
Please can I have some advice on whether I will have to foot the repair bill myself or if I have any recourse against the upstairs owner (and/or their dodgy plumber).
Thanks.
I have a flat which is rented out. It is in a block of 4 flats and we have a joint Buildings Insurance Policy. The flat upstairs have had a plumbing problem following a renovation resulting in a leak that has brought down the ceiling in the bathroom in my flat. Replastering of the ceiling and redecoration of the ceiling and walls is now required.
I am being told by the commonhold secretary that the Building policy does not cover anything other than the external fabric of the building and common areas.
The owner occupiers upstairs have a contents policy (presumably with some liability component), but they are being told by their insurer that they are not covered for damage to my property.
My tenant does not have insurance. I do not have landlord's insurance.
Please can I have some advice on whether I will have to foot the repair bill myself or if I have any recourse against the upstairs owner (and/or their dodgy plumber).
Thanks.
0
Comments
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You have no recourse against the upstairs owner unless you can prove him to have been negligent.0
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I am being told by the commonhold secretary that the Building policy does not cover anything other than the external fabric of the building and common areas.
I think someone is talking through his rectum.0 -
A Building Policy covers the structure of the house and does include cover for the ceilings and walls. The ceiling being damaged by s leak from the upstairs flat should be covered its called an "Escape of Water" claim0
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Thank you muchly Cogito and Dacouch.
I have checked with the Building Insurer myself and they will be happy to process my claim.0 -
CaptainSensible wrote: »Thank you muchly Cogito and Dacouch
Something you don't like about my contribution? Don't shoot the messenger! (I did answer your specific question regarding upstairs!)0 -
And special thanks to Quentin for answering the specific rather than implied question. All contributions always gratefully received.0
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You are too kind.0
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