Building Insurance scam

Sherry777

My freeholder has taken out building insurance as per terms of lease. I must contribute to the policy. However he has given misinformation in the policy which is still being disputed but I have paid approx £450 for 7 months of the annual premium. He claims in the policy the building is in good repair and watertight. It isn't. I live with water ingress into my bedroom due to roof neglect. I cannot claim for anything on the insurance it can only be done by my freeholder. He will not make a claim as he disputes my claim there is a problem. Insurers refuse to get involved. The whole situation is a scam as freeholder and insurer are making money from premiums from leaseholder (me) but the insurance is worthless. Anyone else experiencing this situation?

DullGreyGuy

You are probably better off posting in the Housing section as you are really talking about a Leaseholder/Freeholder dispute for which they are much more experienced than those in Insurance

Tucosalamanca

Unless caused by storm damage, the insurance company are very unlikely to pay for repairs.
Insurance doesn't cover day-to-day maintenance, or lack of it (roof neglect as you describe it).

What does your lease say about repairs and who is responsible for them? That is your starting point, not insurance.

Aretnap

Indeed. Insurance covers unexpected one-off events like fires, floods and storms. It doesn't cover neglect or routine maintenance. Basically it's there in case the building burns down - not in case a leaky roof needs fixing. 

Sounds like a question for the housing board as it's basically a question about who is responsible for the repairs (and how you can get the freeholder to do them, if it's the freeholder) rather than an insurance question.

TELLIT01

The insurers aren't scamming anybody.  Their client is the freeholder and if he refuses to make a claim they can't consider paying out.  The freeholder is the person at fault here and would seem to be more interested in profit than keeping the property in good order.

Sherry777

But insurer knows the policy is inaccurate but still won't do anything about it. 

Sherry777

But insurer is refusing to act on an inaccurate policy which has already been amended by freeholder once but it still has numerous mistakes. My freeholder won't put in a claim because he knows it will expose the building in not, as he claims, watertight and in good order

Sherry777

Sorry new here and not sure how I respond to an individual 

user1977

Sherry777 said:

My freeholder won't put in a claim because he knows it will expose the building in not, as he claims, watertight and in good order

Put in a claim for what? You haven't told us about anything which sounds like it could be a claim.