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Insurance cover for burst boiler in flat?
MoneyGypsy
Posts: 274 Forumite
I have an apartment in which I am a leaseholder and the buildings insurance is covered by the maintenance service charge. I have personal contents insurance as well.
Recently the boiler burst and leaked water into the flat below. My contents insurance provider says that the boiler isn't covered by their policy as it is a fixture and fitting and this requires buildings insurance.
The building insurance has been taken out by the management company, but this does not cover anything within the 4 walls of the flat - such as the boiler.
My personal insurance company also says they would cover the boiler and any damage to other people's property due to a leak, if I took out buildings insurance but then I would need to inform the management company, to not insure my property to prevent double insurance of the same property.
Does anyone have advice on which insurance company is liable if any? Is it possible to insure against the damage caused by burst boiler?
Recently the boiler burst and leaked water into the flat below. My contents insurance provider says that the boiler isn't covered by their policy as it is a fixture and fitting and this requires buildings insurance.
The building insurance has been taken out by the management company, but this does not cover anything within the 4 walls of the flat - such as the boiler.
My personal insurance company also says they would cover the boiler and any damage to other people's property due to a leak, if I took out buildings insurance but then I would need to inform the management company, to not insure my property to prevent double insurance of the same property.
Does anyone have advice on which insurance company is liable if any? Is it possible to insure against the damage caused by burst boiler?
:A :A :A :A
DFW Nerd No.: 789 Ligthbulb moment: 23/09/07
Challenge: No bank loans and CC gets cleared every month.
Need to think about restarting the Grocery Challenges
Sealed Pot Challenge: Put change in and give to charity when full.
DFW Nerd No.: 789 Ligthbulb moment: 23/09/07
Challenge: No bank loans and CC gets cleared every month.
Need to think about restarting the Grocery Challenges
Sealed Pot Challenge: Put change in and give to charity when full.
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