Home Insurance for Flats and Retirement Flats

DE_612183

I was wondering how this works.

I would normally assume that for Retirement Flats managed by a company - for any major things like roofs etc, this is their responsibility so the person living in the flat only needs contents insurance.

However I was wondering what happens if the person in the first floor flat leaves their bath to overrun and causes damage to the flat below - do both flats claim off their contents insurance? how does the ceiling get fixed - is that covered?

Any ideas most welcome - I did try asking a UK Insurance company but got no understanding as it didn't fir their south east Asian call centre script!

DullGreyGuy

Are these leasehold or you renting or?

Generally the building owner buys the Buildings insurance and they deal with the damage to the building and the two occupants claim off their respective Contents insurance for damage to their items. If it can be proven that the flat above was negligent then the buildings insurer and the lower contents insurer may attempt to recover their costs from the Liability section of the contents insurance of the person above. 

You ultimately have to read the terms of your lease/tenancy etc as these will call out whos responsible for insuring what.