Plumber caused damage to my ceiling and it fell!

rachel230

I If a tradesman caused damage to anything in my home I would be claiming off his insurance not mine. In this case I would expect the landlord to claim on the trademan's insurance, both for damage to the property and also for any items damaged as a result of the works. I don't see why this is down to the tenant. I am a landlord and would not expect my tenant to claim on their own insurance.

buggy_boy

rachel230 wrote: »

I If a tradesman caused damage to anything in my home I would be claiming off his insurance not mine. In this case I would expect the landlord to claim on the trademan's insurance, both for damage to the property and also for any items damaged as a result of the works. I don't see why this is down to the tenant. I am a landlord and would not expect my tenant to claim on their own insurance.

Unless the plumber did something wrong I think their insurance company would say it was not the plumbers fault and was inevitable. The plumber can only be accountable for his work, if he is repairing someone elses work and something happens because fixture was old or had come lose etc then he will not be liable..

You could argue why should the landlord have to claim on their insurance to repair the ceiling as it would increase their premiums but that is life you have to accept responsibility for your own possesions which is why we take out insurance.

So as a question you would potentially pay out thousands of pounds as a point of principle even though you did not need to so that your tenants saved a few quid possibly on premiums? With financial sence like that were you born with a silver spoon in your mouth?