Water damage to flat below...who pays for damage?

Torry_Quine

My MIL lived in a flat and the ceiling came down after the radiator upstairs had a slow leak. She had to claim from her own insurance as it wasn't the fault of upstairs who had the radiator checked when it was fitted. 

gscott34

I would assume the OP does have buildings insurance, but not an in-depth policy that covers damage to anther person's property?  

We're kind of taking the OP's word for it that they didn't know about the leak AND that they're somehow not insured to cover the resulting damage.  It's the OP's responsibility that their plumbing caused damage to the flat downstairs.  It's a bit cheeky of the OP now saying that the people downstairs have to claim for the damage that wasn't caused by them and couldn't have been prevented by them.

You’ve misread. I haven’t said they have to pay for the damage, my post is asking for advice on my situation from anyone who would have experience or knowledge in this type of thing as I don’t myself.