PLEASE HELP i flooded my kitchen!!

mrsdanreid

Hi guys i wondered if you could help me!?

i left my kitchen sink running for about half an hour and my whole kitchen flat floor and a little bit of my carpet had flooded, my cupboards have also swollen etc...

Thing is it has leaked through all downstairs to the ground floor flat, the poor blokes ceiling is cracked and his carpet is wet etc, its really bad...

What do i do?? so i pay for his damage to his property?? what about my kitchen?? should my landlord have some type of insurance?? i feel terrible about this situation and any answers would be great.

Thank you xx

phill99

Woops! It should all be covered on via your landlords buildings insurance.

Most blocks of flats have a 'block' policy ie the whole building is covered by a single insurance policy which is paid for out of the service chanrge. Therefore you landlord and the other flats that have been damaged will claim off that one policy.

There will be an excess to pay however (an amount that each flat owber will have to pay) and in flats this is anything form £250 to £500. As you (by your own admittance) caused the damage to your own flat and the downstairs flats, you may well have to pay the excess on your flat and the other flats.

Don't go offering to pay loads of money to the downstairs flats. That is what insurance is for.

mrsdanreid

thanks phill99 that has helped me soo much!

Dippypud

Why should his landlords insurance pay, no fault in the workmanship in the flat...

He left the tap on...he should claim on his household insurance, might swing it on the 'accidental' claims bit.

If not, it's a big learning curve, remember your tap...

diable

Is stupidity covered under building or contents insurance as landlord has buildings insurance and contents is down to the tenant?

pimento

Wouldn't it be called accidental damage? I think I have cover for that with my buildings insurance.