Neighbour flooded my ceiling. What to do?

phill99

YOU claim from YOUR insurance. If someone else is to be blame, then your insurers will deal with it. You don't have to worry about that.

If they don't have one, you will still get the work done by your insurers. Your insurers may choose to pursue them through the courts, but that is their perogative and nothing for you to worry about.

vaio

You can only claim from your neighbour if they have been negligent (in the legal sense) and you can prove it.

a sudden & unexpected leak doesn't qualify,

leaving a tap running with the plug in or a substandard DIY repair of a previous leak would qualify

phill99

vaio wrote: »

You can only claim from your neighbour if they have been negligent (in the legal sense) and you can prove it.

a sudden & unexpected leak doesn't qualify,

leaving a tap running with the plug in or a substandard DIY repair of a previous leak would qualify

But YOU don't have to get involved in this. YOU claim from your insurers. Thats what you have insurance for. Your insurers deal with the legal issues and apportion blame if necessary.

AdmiralX

phill99 wrote: »

YOU claim from YOUR insurance. If someone else is to be blame, then your insurers will deal with it. You don't have to worry about that.

If they don't have one, you will still get the work done by your insurers. Your insurers may choose to pursue them through the courts, but that is their perogative and nothing for you to worry about.

Thanks v much. I feel that having a dispute for damages caused by the tenants of others or by the other landlords sharing the same landing and stairs with you and seeing them daily and night is is really stressing and unproductive. But also in houses it can be the same because it can be your neighbour sharing a party wall. We are looking to move to a larger flat/ in London and I came across a huge beautiful 3 bed flat for sale over a shop. V. Cheap. When I asked the Agent he said the flat was repossessed because it had caused big damage to the chain shop beneath and the compensation claims etc were over £250K apart from legal costs. How is it possible?

phill99

AdmiralX wrote: »

. When I asked the Agent he said the flat was repossessed because it had caused big damage to the chain shop beneath and the compensation claims etc were over £250K apart from legal costs. How is it possible?

Its quite easy to have a claim for t6hat size. if there has been a severe flood from the flat above, then all the stock could easily be ruined (imagine the cost of stock of say an electronic shop), the lighting, el;ectricals, flooring, counters, fixtures and fittings. Then there would be a claim for loss of earnings etc.

Its very easy to get a claim this high. Thats why you have insurance.

carefullycautious

I have just had this happen to me in a block of flats. My insurance paid out for the carpets that were ruined but did state that they may not be able to recover the money as it was not seen as negligent (burst Radiator from above flat)

I also could not get any help with redecoration as unfortunately we were not covered for this under our policy. I must admit I thought redecoration came under the buildings policy held by our local authority but have been told no.

AdmiralX

phill99 wrote: »

(imagine the cost of stock of say an electronic shop), the lighting, el;ectricals, flooring, counters, fixtures and fittings. Then there would be a claim for loss of earnings etc.

Its very easy to get a claim this high. Thats why you have insurance.

Thanks. It is scary; damage can also be caused to musical instruments and original or art work. My son wanted to soundproof the lounge to a music room but after the 2 floods we had from upstairs and the apathy of the people, we decided to move. Some people built recording studios in gardens sheds so they have no neighbours.

carefullycautious wrote: »

I have just had this happen to me in a block of flats. My insurance paid out for the carpets that were ruined but did state that they may not be able to recover the money as it was not seen as negligent (burst Radiator from above flat)

There are a lot of damages caused by negligence and by alcohol abuse and assessors know when these happen.