Please help we have flooded downstairs

karrimor

I am at my witts end, can anybody possibly offer some advice? I am literally shaking with worry.
We live in a flat above a bank. The recently bought the leasehold.
This evening we heard water and ran to the kitchen to notice that the kitchen sink had overflowed.
The kitchen was covered in water as the overflow had not coped with the water.
We have cleaned up all we possibly could, but on looking through the window of the bank downstairs, I can see that this has affected the bank greatly. There is a huge pool of water on the floor and the water is dripping through the ceiling tiles.

I am hugely concerned as to what price this will cost us. Foolishly we have not yet obtained our contents insurance.
The buildings insurance is in place for the whole building by a company who own the freehold, and who rent the space downstairs to the bank.

Will we personally have to pay for any damage caused downstairs? I dread to think what might happen if the banks insurance company need us to pay for loss to computer systems or anything like that.
Can anyone offer any advice at all?

Quentin

You will only be liable for any damage if you are proved to have been negligent over this.

So best to stonewall any accusations you get from your downstairs neighbours!

dacouch

What caused the sink to over flow?

hugoshavez

There is 0 (zero) possibility of you having to pay anything for damage in the bank.

Don't worry.