Leasehold - Working from home

comeandgo

If you are employees you are not running a business, you are working from home.  Your house insurance would need to be told in case of there being valuable work items at your house, ie computers but in my case my insurance did not charge more.

elsien

I work from home, although as an a employee not running a business. It has had zero impact on my insurance. 

No one else in your block of flat is going to have the slightest idea what you’re doing once you’re inside your flat. You don’t have people coming and going and there’s no extra noise nuisance. Unless you tell them for all they know you don’t need to work and you’re living off the proceeds of a large inheritance. I think you’re possibly overthinking it slightly.

 And despite earlier comments, you are not “running a business in effect.”

jennifernil

Our son is also a software developer, working for a large  company, he has been working exclusively from home for over 12 years now, no problem with insurance.

Working from home like that is not the same as running your own business from home.

Our daughter is similarly employed by another large company, works from home full time, again no problems with insurance.

user1977

I work for an organisation with several thousand employees, almost all of whom have been working from home to some extent since 2020. Some have had domestic reasons for why that doesn't suit them, but I haven't heard of anybody saying they have had difficulties because of what it says in their title deeds.

user1977

diystarter7 said:

A client of mine a few years back when I worked complained about the upstaris apartment "banging away at the computer all day long," and I too could hear it

But that's a noise complaint. The fact they were banging away for work reasons rather than personal wouldn't have been relevant. And if you're causing a legal nuisance to your neighbours such as that, they can take action irrespective of what it says in your title deeds.

NameUnavailable

I work from home several days a week and live in a flat. No issues, and I know that there's others here in the same situation.

Running a business from a residential address is something completely different and of course has implications with insurance, H&S, tax etc.

NameUnavailable

As for the company's equipment, that should be insured by your employer.

JReacher1

It is not a problem at all but even if it was how would anyone know what you were doing in your own flat/house?

I wouldn't be worried at all.

diystarter7

JReacher1 said:

It is not a problem at all but even if it was how would anyone know what you were doing in your own flat/house?

I wouldn't be worried at all.

Hi

My point to OP is the examples I gave in my previous posts, IE all depends on what restrictions come with the lease and how effective management is and please see examples of my and kids experience of apartments.

Not you, but several are talking about their place a freehold and confusing the matter.

OP, as I said before, if you are buying or bought, consult management, you may want to do it without giving your exact details, your choice.  I believe I'm correct in saying that in blocks of flats and our kid has a two-bedroom apartment they rent out in a block of 6 on a private estate and the management is hot, very hot one of the reasons our kid bought there to rent out.
 service charge in my experience in a block of flats includes the 'buildings insurance.' Management takes care of that and it is the leaseholder's duty to update them.

Good luck OP. IMO, as some have said they dont see a problem because no one has bothered but where they do, you may come unstuck

Thanks

diystarter7

elsien said:

I work from home, although as an a employee not running a business. It has had zero impact on my insurance. 

No one else in your block of flat is going to have the slightest idea what you’re doing once you’re inside your flat. You don’t have people coming and going and there’s no extra noise nuisance. Unless you tell them for all they know you don’t need to work and you’re living off the proceeds of a large inheritance. I think you’re possibly overthinking it slightly.

 And despite earlier comments, you are not “running a business in effect.”

That is bad advice
Firstly you are working from your home and often these are freehold and flats are almost always leasehold as per OP case

About not having the "slightest idea" read my previous posts about management being on the ball and the service charge often incs buildings incruance and the leaseholder having to declare if the apartment used for business, WFH etc etc. Leases and management vary but best to be aware rather than go along on wishful thinking.

Leases T&C vary as does management teams and I've gave several examples where manamgement is hot.

Best to be sure IMO