Insurance claim advice

ryan92

We live in a 4 in a block on the bottom floor and last night our neighbour has flooded our hallway. Water is basically pouring through the ceiling and our insurance company is saying we have to claim this through ours and not the neighbour, is this right?

They did also tell us it will be 5 working days before they can come out and look at it.

Any advice would be appreciated

phill99

If its a block of flats, there is normally a block policy in place for the buildings (not contents) which is paid for via your service charge. You need to claim from this for any damage to the building such as redecoration etc. The claim for contents will be via your own insurers and they will recharge the insurance company for the people upstairs.

ryan92

It's basically a house where I have a bottom floor neighbour and an upstairs neighbour if that makes sense, it's not a block of flats.

Thanks for the advice regarding the contents side of it though

Torry_Quine

phill99 wrote: »

If its a block of flats, there is normally a block policy in place for the buildings (not contents) which is paid for via your service charge. You need to claim from this for any damage to the building such as redecoration etc. The claim for contents will be via your own insurers and they will recharge the insurance company for the people upstairs.

Not necessarily. I live in a four in a block and have my own buildings and contents insurance.

The usual rule of the upstairs neighbour only being liable if negligent applies. There may not be a claim from the OPs insurer to the neighbour.

southcoastrgi

Exactly as Torry said