Tenancy agreement void?

T_T_2

What kind of policy do you have by the way: Building and Contents or just Contents?

apoc51

I've only ever had contents insurance once and when my laminate flooring got broken I didn't receive and money. Since then I've never bought it again. Although it looks like I may have to now.

It will be contents insurance as I'm a tennant.

Can anyone give me verification it's even worth doing? With regards to the guy upstairs not having any insurance and it being his property leaking/ my being covered by water damage on my contents from the aforementioned.

Thank you.

apoc51

G_M wrote: »

Normal repairing process should be followed - see ....

Thank you. Bookmarked.

G_M

apoc51 wrote: »

I've only ever had contents insurance once and when my laminate flooring got broken I didn't receive and money. Since then I've never bought it again. Although it looks like I may have to now.

It will be contents insurance as I'm a tennant.

Can anyone give me verification it's even worth doing? With regards to the guy upstairs not having any insurance and it being his property leaking/ my being covered by water damage on my contents from the aforementioned.

Thank you.

Depends how the flooring got damaged! Contents insurance has an optional add-on: 'accidental damage'. If the floor was damaged accidentally (you dropped something on it) and you did not have 'accidental damage', then you would not be covered.

Water damage from upstairs would be covered by a standard contents insurance. You could also ad on "legal" cover. With this, the insurer would pay for solicitors to sue the guy upstairs, so even if he did not have insurance you could make him pay.

Am I right that the same landlord(s) own both upstairs and downstairs flats? All the more reason to be pursuing them in writing about repairs.

This is because another option if there is a flood and damage is to claim damages against the landlord. If you can show that you warned them in writing of the problem, and they did nothing, you would have a case against them.

Sounds like you need legal cover as part of your insurance policy!

apoc51

G_M wrote: »

Am I right that the same landlord(s) own both upstairs and downstairs flats? All the more reason to be pursuing them in writing about repairs.

I assume so, it is certainly the same estate agents who let it. For all purpose it's still a house, but the floors are independently let.

apoc51

gordonbennet wrote: »

Did the maintenance guy say that tightening the washing machine feed had cured it? Or did he say that the overflow was the real cause of the problem? If so why didn't he fix that too? If not, what leads you to believe that the overflow is a problem.

I'm a little concerned by something else you say -



Is this proper home insurance or some kind of policy in place instead of a cash deposit with the landlord? If the latter are you sure it's something you can claim on yourself for a loss relating to your own possessions?

If your stuff is really in danger then maybe you should move or cover anything that is irreplaceable until this is resolved.

He said it should fix the problem but there was a waste issue causing pressure to build which also needed to be dealt with and that he would have to refer back to the estate agents.

It is a policy in place of a cash deposit.

melancholly

since you're a student, you could also involve your uni accommodation office to help with with a dispute about the repairs.

moromir

apoc51 wrote: »

I believe both properties, upstairs and downstairs need their full plumbing pulling out and redoing as its all shot. Also the bathroom has accumulated damp and the maintenance guy told me its because you need to open windows and turn on the extractor fan when you shower. After telling him I used to be a painter and decorator he quickly corrected himself with 'to tell you the truth thats bollo**** it has no damp course and is always gonna get damp, I refused to put the floor down and made the asians do it' His words, no hate meant.

If you don't open the windows and use the extractor fan of course you will get mould :eek: is this not straight forward common sense?

Under any 'using the property in a tenant like manner' type clauses in your agreement, you have a legal obligation to take reasonable steps expected of a householder to manage problems like condensation (and its resulting mould), opening a window and using the provided extractor fan for example! It would also be reasonable that you wipe the tiling down / any areas with emerging mould with a diluted bleach solution as part of your weekly cleaning regime as this kills the spores.

Few properties would be immune from mould if their occupiers are showering etc without opening a window!!

camptownraces

OP says he has thousands of pounds worth of electronic equipment, but cannot afford to insure against eg theft, accidental damage.

Has he tried Endsleigh?- they are the NUS' insurance firm, policies designed for poor students.

It's very much easier to make a claim for an insured risk than to take your neighbour to court. Get yourself insured.

apoc51

moromir wrote: »

If you don't open the windows and use the extractor fan of course you will get mould :eek: is this not straight forward common sense?

Under any 'using the property in a tenant like manner' type clauses in your agreement, you have a legal obligation to take reasonable steps expected of a householder to manage problems like condensation (and its resulting mould), opening a window and using the provided extractor fan for example! It would also be reasonable that you wipe the tiling down / any areas with emerging mould with a diluted bleach solution as part of your weekly cleaning regime as this kills the spores.

Few properties would be immune from mould if their occupiers are showering etc without opening a window!!

I'll upload the pictures tomorrow but the bathroom is some what obscure making the damp spots and blacking occur in an precarious spot on the coving, as well as every wall having a light coating.

I do open the windows and turn on the extractor fan, no one said I didn't, did they? I know it's part of the tenancy agreement, I read it. Sorry for the lack of compassion with regards to your presumptuousness. FYI I lived in a property previously where the shower room had no ventilation!!

melancholly wrote: »

since you're a student, you could also involve your uni accommodation office to help with with a dispute about the repairs.

camptownraces wrote: »

OP says he has thousands of pounds worth of electronic equipment, but cannot afford to insure against eg theft, accidental damage.

Has he tried Endsleigh?- they are the NUS' insurance firm, policies designed for poor students.

It's very much easier to make a claim for an insured risk than to take your neighbour to court. Get yourself insured.

I'm only at college this year, no uni till sept.