Damn floods - I need help!

justmarried06

Hi lil_me - even though you rent the person who does own your flat should have buildings insurance in place (particularly if they have a portfolio of peoperties as they also need to cover themselves for Property Owners Liability insurances too) so if you did suffer a loss that would be classed as buildings you coudl go through their policy - it's fairly standard practice for rentals.

HTH

JM

hayley50

Hi my insurance is through a company called endsleigh, we had a washing machine leak which took out kitchen lino, dining carpet, bathroom lino and hallway laminate. When I first spoke to them they gave me the same speil about it being buildings, I was worried as we rent the property and do not have buildings. I filled in forms and queried again and was told that when accessor came out he would judge, he confirmed what we thought that as it was click together we put it down and intended to take it with us if we moved we were covered. This was in May, he was from a company called rainbow. Don't take no for an answer, its more portable than carpet and lasts longer, so my arguement was that it would be more likely we'd reuse the laminate than the carpet. He said the only way click together would not be covered is if it was put down before or ready for you to rent.

lil_me

Mine is also removable so in that case may well be able to claim then, will keep that in mind thanks for that hayley. Ours is LA property rather than private so were told by them we wouldn't be covered.