Plumbing Insurance Advice Please

horse99

So I've found a two bed first floor flat.

Already exchanged and completing in next two weeks. Block has usual buildings insurance in place.

I've researched emergency plumbing insurance. Have good understand of what policy can and can't do plus the excess ect:

I'm now wondering what happens if the flat above me springs a serious leak. Water pours through ceiling, lots of damage to my flat.

Does this type of insurance pay for such an event? It's not the easiest thing in the world to knock on a strangers door to ask about their insurance.

Any feedback greatly appreciated.

General_Applause

You would claim on the Buildings Insurance to repair any damage to ceilings etc, claim on your contents insurance for damaged possessions and then let the insurance companies argue about the blame, if any.


https://www.ashburnham-insurance.co.uk/claims/escape-of-water-leaks-in-flats/

horse99

Exactly what I needed to read.

Thank you so much.

eddddy

Typically, with leasehold flats (in England/Wales) the freeholder arranges buildings insurance. But you should check this in the lease.

You should also take a look at the freeholder's insurance policy. Typically, it will cover damage caused by escape of water. But there's often an excess of up to £500 - which you might have to pay.

And you would have to liaise with the freeholder in making a claim.

adoption

You should definetly contact a specialist in the matter.

greatcrested

Nice first post....

goliaph

I agree with contacting a specialist. Be careful though cause there are a lot of scammers there too. One thing that you should look for to see if someone is actually legit is to ask if they have insurance cause the ones that don't are usually the ones that are looking to fake injuries to get money off of your insurance or just from your pocket. Trust me cause I own a plumbing company and it took me a while to find a good insurer, but I'm really happy with https://generalliabilityinsure.com/small-business/plumbing-insurance.html cause they have great coverage and give me credibility.

Mutton_Geoff

greatcrested said:

Nice first post....

And the OP's post. I wonder how the opening word has become common parlance. 2019 seems so long ago now