Water leak in the bathroom has damaged the flat below

phill99

hazybubbles wrote: »

the lady down has to claim off her insurance as your insurance is for YOUR flat - not hers! Her insurance then contacts yours if you are admitting liability as such and they will claim back the money from your insurance company. Its the same as for a car accident.

Minibbb in #10 above has already identified that there is a single buildings insurance policy for the whole block, and not individual policies (except for contents). Therefore it will be dealt with by the one insurance company.

keystone

minibbb wrote: »

Keystone- does your plumber fit vinyl flooring too then?!

Seen it happen all too often and done it myself (:o) but with a rather larger screw! What I was really driving at was the a tiny hole had formed in one of the copper supply pipes....from limescale apparently! which I view with a certain degree of incredulity.

The vinyl floor cost £100 so its a fairly cheep job but all I could afford. Its now discoloured and looks a mess! Thats the whole story, im not after a bespoke tiled floor here!:)

Oh I see. Sorry hadn't appreciated from your earlier post that the flooring was damaged as well as you were only talking about the flat below.

........and the chipboard has gone soft so looks like the floor needs to be replaced too :mad:

Yep chipboard does that when it gets wet.

I really hope the lady downstairs won't have to claim off her own insurance as that doesnt seem very fair when after all the problem came from my dodgy pipe!

She has to claim for her damage and you claim for yours irrespective of whether the source was your dodgy pipe or not. I think claiming for damaged skirting boards and cracked frames is taking the proverbrial so I think you are being far, far too generous. If the damage was that bad it a) wouldn't happen overnight and b) it would have been pretty obvious that something was amiss - like a few damp spots and wet carpets around the place for example.

Our building insurance covers the whole block so hopefully will cover all the work. We have individual contents insurance but I dont think our contents as such are damaged?!

OK thanks for clarification - let the managing agents sort it out with insurers.

Cheers