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Insurance company asking me for costs related to damage to communal area in flats..
reubenjames
Posts: 3 Newbie
Last year I rented a flat in a block of 13 with a communal roof terrace.
One afternoon I had guests over for a BBQ on the roof terrace and some roof tiles were damaged by fire, which may have been caused by a disposable BB not being properly extinguished by one of my guests.
The management company made a claim for the repair costs to their insurance company and the insurance company is now pursuing me for the full amount.
Can anyone offer any advice as to where I stand in this situation? Does the fact we were paying rent to one of the leaseholders, who in turn pays the service charge (including an insurance contribution) make any difference to the situation?
I suspect I need to include more information etc but I'm not sure where to start so please let me know what would be helpful to include and I'll update.
Massive thanks in advance for any help...
One afternoon I had guests over for a BBQ on the roof terrace and some roof tiles were damaged by fire, which may have been caused by a disposable BB not being properly extinguished by one of my guests.
The management company made a claim for the repair costs to their insurance company and the insurance company is now pursuing me for the full amount.
Can anyone offer any advice as to where I stand in this situation? Does the fact we were paying rent to one of the leaseholders, who in turn pays the service charge (including an insurance contribution) make any difference to the situation?
I suspect I need to include more information etc but I'm not sure where to start so please let me know what would be helpful to include and I'll update.
Massive thanks in advance for any help...
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Comments
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Have you got a copy of the policy wording? Most communal flat policies have a subrogation waiver in them to stop this, but some only extend it to leaseholders, others are wider. I've seen cases where insurers recoveries departments forget this.
Did you hold contents insurance at the time.0 -
Thanks very much for the response. I don't have a copy of the policy, but I will try and request one from the management company.
I didn't have contents insurance at the time.0 -
Did you post this same thing last year under a different username?Be Alert..........Britain needs lerts.0
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I agree with FlameCloud above. If there is nothing in the policy to stop the management company's insurer recovering the loss from you as tenant, then from your perspective this isn't really an insurance issue but rather a legal one. It sounds like you have received a letter of demand (letter before action) and you should respond accordingly.0
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You may find your Contents Insurance or Union Membership may include free legal advice via a telephone helpline, it may be worth giving them a call.0
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