Boiler query

phil1873football

Talking from personal experience, something very similar happened to me.

I was on the Ground Floor privately owned flat with a council flat upstairs. Their bath had a leak and ruined my bathroom ceiling and light and the whole lot had to be replaced cost £2k.

I was under the impression that since the problem was in another person's property but i was left with the damage, then surely the flat upstairs (not necessarily was their fault) would be responsible for covering the repair. I was wrong.

I had to claim my Contents Insurance and pay the excess and have my premiums rise for the next 5 years even though I had nothing to do with the problem.

Not very fair, but that's the facts.

Marvel1

Argghhh wrote: »

if i was 2k out of pocket because of upstairs boiler breaking mine and they werent going to pay for the repair/replacement, there would be some unfriendly people knocking on their door until it was paid

So harressement is the answer?

Gordon_Hose

Argghhh wrote: »

how can they not be responsible? their boiler leaked, damaging someone elses property, it wasnt an act of god. Their insurance company will want to claim off the other persons insurance. Lets put it this way - if i was 2k out of pocket because of upstairs boiler breaking mine and they werent going to pay for the repair/replacement, there would be some unfriendly people knocking on their door until it was paid

Wow, big man!

There are ways and means of dealing with it and sending in the heavies because your swingers are too small to deal with the situation isn't one of them.

TBagpuss

OP, speak to your insurers and direct any queries from your neighbour to them.

As DTDFanboy says, if the damage was not due to any negligence on your part, then it is unlikely that you / your insurers will be liable, and your neighbour (or their landlord) will have to claim from their own insurers.

I would expect their landlord to pay for their boiler (either directly or via insurance) and for them to be responsible for claiming on their contents insurance for any damage to their own possessions.