Renting No Contents Insurance

dellthebomb

Hello guys, new to the forum so hello all and am at a loss and need some advice.

We are a renting couple in a old victorian house with 4 floors, we are on level 1 (1 below us, 2 above)

Couple upstairs left the property two weeks ago, on the day of leaving they did an inventory check and had the property cleaned by a company recommended by their landlady. I come home in the evening to a water flooded living room, no one upstairs as they had left earlier that day, called around eventually got hold of the landlady's mother who lived local (the landlady has moved to Australia) she comes out we eventually get the water leak stopped, (it is coming from a washing machine upstairs the pipe has been knocked or moved resulting in the flood)
The Mother says she will send her daughters Australian details the next day in case of any problems.

It comes to light in the morning we have two expensive macbook pro's which have been damaged in the water. (2.5k) No contents insurance.

I call the Mother and tell her she promises to send us the details of her daughter but then closes shop and never does and never replies to calls or texts.

We get the Australian landladys details from the old tenant as we had a friendship with him, we email her asking for some resolve she doesn't respond, she then responds a week later saying that she never gave permission to her details being passed on and do not contact her ever again, contact the cleaning company (those details were provided by the ex tenant to us) We contact the company by email but no response (yet)

We have no contents insurance but the thing is do we have a claim with the landlady? With the cleaning company? Our own Landlady has property insurance which will cover the water damage to the actual house (and there is some) But no contents insurance.

Guess it's kind of our fault as we have no insurance but can't believe the nerve of the landlady with no empathy etc, the couple moved out and she has new tenants in two days later, I have tried to raise the point to her that had I not come home that evening and the ceiling had collapsed she would have had the new tenants delayed, and potentially caused her major problems with her own place.

InsideInsurance

You would have to prove who was negligent and pursue that person/ company.

Typically these "floods from above" are not negligence but a pure accident in which case there is no one else you can claim from and so either your insurance or wallet has to pick up the cost.

notanewuser

Duplicate thread.
https://forums.moneysavingexpert.com/discussion/4774478