Do you know a cover for damages by tenants of another landlord?

AdmiralX

diable wrote: »

Ripping off the handrail isn't that criminal damage?

I reported this to the police, who say always: "that is a civil matter" and result of excessive alcohol. Who dares go out 3 am to face what knows what...

silvercar wrote: »

You should be able to download the deeds from Land Registry website for £4.

I could do that but solicitors say the LL is not responsible for breakage she did not do, it is the tenants who must pay. I heard that it would not matter to mortgagees what bads happen in the property.

ic wrote: »

I

Do you have accidental cover on your buildings policy?
2. Is this within your own flat, or a communal area shared by everybody in the building?
3. Flats/the landlords normally all pay a service charge

I am mystified too!
Accidental damage in the building policy covers accidents caused by the faults of the building and subsidence. It is cheap policy £1900 pa

I think you are right, we have unusual leases, and solicitors said so. I own the entrance downstairs, the stairs and landing leading to my flat which are "right of way", used by other people, not my family only.. and I own my flat. But I cannot find a policy that covers damages caused for example by the tenants upstairs letting bath overflow to my ceiling. I did enquire yesterday a broker on that.

Not all properties have service charges. It may some times work well without SC: If the repair is big, consultation should comply with S20; if repair is small under £250 per Lessee it can be arranged informally and cheaply.