Tenant Flat Fire - Next stage - how to sell?

[Deleted User]

Just spoke to freeholder about the elderly man on top floor.

He is fine and will stay in b&b and join us to talk to loss adjuster Friday.

Smi1er

OMFG:eek: What a nightmare

Don't worry about choosing this and that, that's what the loss adjuster is for.

Don't worry about been overpayed by the DSS, the tenacy effectively ended on the day of the fire, so just don't spend the money.

More of a concern is the fact you won't have any rent for at least 6 months, possibly 12 to cover mortage payments.....

[Deleted User]

Thanks smiler - that's ok re money. mortgage is not a problem and insurer will - so freeholder says - pay lost rent. I have sent copy of the the new tenant's (who was originally due to move in tomorrow) contract to insurer.

reformedEffortMaker_2

Hi cgw.
Wow.....talk about worse case scenario You have my every sympathy. Look on the bright side...once this is all over, there wont be much a tenant can throw at you that you wont be able to manage!.
Whilst I do not have a clue about sec 21 notices. I do know a little about criminal law and just have a couple quick comments.
Firstly, in an earlier post, you mentioned contacting daughter (b) to arrange collection of personal belongings. I would strongly advise not speaking to her unless you had a witness present at all times, and even then only when desperately necessary. Baring in mind her sister is the main suspect in an arson (which carries quite a sentence, whether mental health issues or not), and she has already threatened you, it would be better for your own safety, and to protect you from allegations/accusations if this does end up at court. I am surprised CID did not mention this to you?...

Also, did you know you can ask the Police to be present if you have to attend and think that mum (a) or (b) might be there. Police can act to 'prevent a breach of the peace' and will also be able to act as professional witnesses to their behaviour if necessary (which will help with the eviction process I am sure).

Also, now that the Police have forced entry and arranged boarding up, I would stop worrying about locksmiths now. The Police were the last to leave the premises secure and are responsible - you mention that someone walked past and noticed a door open a few days ago-how do you know it wasnt a CID officer of a forensics officer who left it open accidently? (it does happen!)

I also have to say I side with clutton with the issue of their property, if they dont come to collect their property promptly (I am more inclined to give them 1 week not 90 days!), I would take pictures and then argue that for health and safety reasons it had to be thrown away-toxic liquids in items maybe?....rot/unpleasant smells causing distress to neighbours? as well as the property being uninhabitable, the goods inside were not salvageable?.
Her content insurance should cover anything she wants to replace anyway? (although we both know its unlikely she has any-that's her problem not yours)

I think if the Police are officially treating this as arson, then you are very much a victim and should be acting as such. Please do not go out of you way to help these mongs...

[Deleted User]

Thanks. Victim Support phoned and have sent a letter, maybe I should email them.

On Friday I can just hand all this over to insurance and loss adjuster.

I can stop trying to absorb everything and be a victim can't I?

clutton_2

""I can just hand it over"" ..... you certainly can - let them do the work for you - that is why you have insurance .... us independent women are prone to take faaaaaar too much onto our own shoulders in times of crisis - let others do their work and put your feet up now and again - even if it only during that next phone call !!!

you will have a lovely flat in the new year - and at no cost to you !!
(maybe a slight increase in property insurance)

http://www.keystone-solutions.net/ i did find this - specialists in rebuilding after insurance claims - if it is anywhere near you .....

b w and i hope the festive season brings you joy ........ i'm really glad the old man is ok - and you have handled all this brilliantly - ab-so-blooming-brilliantly !!! WHAT a mess to sort out !!!

one of these days you know - you will have earned the right to have a jolly good sit down - a jolly good cry - and a jolly good gnashing of teeth and - a jolly good screaming of screams at the unfairness of it all - (actually, in all seriousness, Victim support provide the perfect person to do all this with and to get al lthe angst out of your system - i found them astonishing helpful when i lodged a complaint of abusive behaviour against one of my ex-tenants)

but on the other hand you may just be the wonderfully strong woman you are - who can put it all behind her with a few drinks with a few mates and a good meal !!!

best of luck

[Deleted User]

You are so right.

I'm doing a workshop over the last two and next two weeks. Making mirrors in frames witha a group of women from a refuge.

The idea is to look into the mirror and see yourself in a surrounding, setting of your own choosing, design and own making.

One woman is afraid to start painting in case she makes a mistake. I said it's ok to make mistakes. If you don't like what you have done, you can change it. She asked if the paint will come through - like the past.

I said 'No, you can change it all if you want!. So we all had a big talk about fear, change, bravery, fresh starts..................

Anyway, I'm off out for a meal with mates.

BIG hugs

Smi1er

cgw wrote: »

Thanks smiler - that's ok re money. mortgage is not a problem and insurer will - so freeholder says - pay lost rent. I have sent copy of the the new tenant's (who was originally due to move in tomorrow) contract to insurer.

Unless you have specific insurance in place to cover lost rent in case the property is uninhabitible then you won't get any rent! Otherwise a lot of landlords would be burning their properties down. I would be extremely surprised if the insurance company pays lost rent to you.

Gorgeous_George

LANDLORD'S insurance covers rent in these circumstances. There's a clue in the name.

How many rentals do you manage Smi1er?



GG

clutton_2

""look into the mirror and see yourself in a surrounding, setting of your own choosing, design and own making.""

can you see yourself in your newly refurbished property showing your next angelic tenant around ?

"" I would be extremely surprised if the insurance company pays lost rent to you."2

i had a property which had been deliberately flooded by toerags, and it was uninhabitable - the insurers paid for loss of rent for 2 months - they said they would either pay for loss of rent, or for the tenant to be accomodated elsewhere, but, not both - so - check your policy - your insurance broker should be able to advise on this.


Many policies have a large excess if damage is done by tenant = but, as i said earlier, if the police do not charge her, then there is no proof it was so - challenge the insurers if they try that one.

Do you know cgw - it may be worth your while to join National Landlords Assocation - their free legal helpline has been a godsend to me. who are you insured with ?