Flushable wet wipes nightmare

davidmcn

always_sunny wrote: »

If you're in a flat (as you mentioned) highly likely the flat has insurance. Pretty much all flat are leasehold (in England) and the lease require to have insurance of some sort (wether LL directly or the freeholder).

Whether the insurance covers the flushable wipes issue it depends (I'd say no), also more likely will make the premium go up.

Even if insured, the insurance company could potentially pursue whoever caused the problem i.e. the tenant.

fed_up_and_stressed

davidmcn wrote: »

Even if insured, the insurance company could potentially pursue whoever caused the problem i.e. the tenant.

I suspect they would as the OP has admitted negligence.

Hoploz

It would be interesting to know whether the management company notified ALL flats sharing the drains to not flush wipes. It could be someone else is at it as well.

I agree though that it sounds likely there are general maintenance issues causing leaks, rather than the drains backing up due to a blockage.

G_M

Not all insurance policies would cover a blocked drain. In fact I suspect most would not.

A buildings insurance policy might or might not cover damage to drains (eg roots growing through an underground drain), but a blockage? Caused by negligence? I doubt it.

One can buy stand-alone insurance for plumbing, drains, central heating etc, but only a minority of people take out such policies.

And even if there IS valid insurance policy:

* the insured party would have to pay an excess (£50? £100? £400?), and face increased premiums next year

* the insurance company could stillpursue the negligent party to reclaim the cost