Home insurance possible dispute

thefool

I was wondering if anyone could give me some advice on the following situation.

We live in a converted townhouse (4 flats) and own our flat. The other three flats are owned by an absentee landlord. Earlier this year we were alerted to a water damage problem on a wall within the property which is part of the common subjects.

The Landlord insisted that the problem lay with us, so we called our insurance people out and had the problem inspected. Nothing much was found and a report was sent to us about resolving the problem. Our insurance company were happy with this and paid out on our claim for 25% of the total.

The Landlord meanwhile had done nothing but I did send him all the details of the investigative work and the quote to remedy the problem.

His insurance broker has now contacted me saying they request our insurance company's details. When I asked why, he told me :


"Normally in cases such as this we require details of the Insurance Company so that this can be passed on to our client’s Insurers as they may wish to attempt a recovery of their outlays."


I told him that our insurance company have already settled our part of the claim and to get on with it.

It looks from the comments above that the other party is trying to saddle me with liability for the total claim although no liability has been acknowledged and no problem was found within our property as to the original source of the problem.

I reckon the landlord is at it, but was wondering if anyone had experience of this type of situation and how they went about resolving it ?

thanks for listening !

olly300

Don't not talk or give the broker or the landlord any more details just inform them that your insurance company is dealing with it.

Contact your insurance company asap and give them the full details including the details of the landlord's insurance broker you have. (I would do this in writing using recorded delivery as I find insurance company staff have a habit of mixing things up.)

Insurance policies do not allow you to admit liability or sort things out without their permission so you cannot deal with it yourself.

In future don't be so nice to this landlord. If there are problems do everything in writing and involve your freeholder if you have one.

thefool

Thanks for the response. Excuse my ignorance but what's a freeholder ?