Just bought and moved in

markay13

I moved here 19th July to a ground floor flat. En-suite needed upgrading however the plumber discovered a leak under shower tray which has caused serious damage. This has obviously been there for some time before I moved in . The factor tells me they only look after public areas and have no insurance covering leaking pipes. I stupidly thought they had building’s insurance and only have contents. Do I have any recourse at all. I live in Scotland so rules may differ. 

user1977

No, it’s up to you to fix. And obviously, sort out your buildings insurance ASAP.

Mark_d

Typically under the lease, buildings insurance is provided by the management company.  This covers the walls, roof, and pipes etc. that serve multiple properties in the building.  Pipes that only serve your flat and your floor are your responsibility.

This is something unfortunate that you have to pay to fix.

DullGreyGuy

markay13 said:

I moved here 19th July to a ground floor flat. En-suite needed upgrading however the plumber discovered a leak under shower tray which has caused serious damage. This has obviously been there for some time before I moved in . The factor tells me they only look after public areas and have no insurance covering leaking pipes. I stupidly thought they had building’s insurance and only have contents. Do I have any recourse at all. I live in Scotland so rules may differ. 

So you're renting or you've bought?
You mention its factored so presumably its Scotland?

Was it leaking pipes or failed grout/sealant which would be more common for problems under a shower tray?

Generally even if you have Buildings insurance it won't covered for gradual processes nor failed grout/sealant as they are maintenance issues. 

user1977

Mark_d said:

Typically under the lease, buildings insurance is provided by the management company.  This covers the walls, roof, and pipes etc. that serve multiple properties in the building.  Pipes that only serve your flat and your floor are your responsibility.

This is something unfortunate that you have to pay to fix.

It’s Scotland, we don’t do leases.

DullGreyGuy

user1977 said:

Mark_d said:

Typically under the lease, buildings insurance is provided by the management company.  This covers the walls, roof, and pipes etc. that serve multiple properties in the building.  Pipes that only serve your flat and your floor are your responsibility.

This is something unfortunate that you have to pay to fix.

It’s Scotland, we don’t do leases.

You dont but it does seem increasingly common for the Factor to be buying the buildings insurance