Neighbours flat has leaked into mine

WIAWSNB

That's all fine - no disagreement.

Hence me suggesting the OP checks the policies, and how the upper flat and roof/gutter leak was repaired (on what basis), and who fixed up the interior of flat above.

I still don't understand your plaster comments, tho'.

GDB2222

https://forums.moneysavingexpert.com/discussion/comment/81952373#Comment_81952373

The OP says "2 months ago when we had the real bad rain his roof/gutters leaked through his flat then into mine. "

So, there may be a reasonable prospect of a successful insurance claim

eddddy

WIAWSNB said

I still don't understand your plaster comments, tho'.

I'll explain using a typical lease as an example.

a) The lease says the freeholder is responsible for maintaining and repairing these parts of the building:

• External walls
• Roof
• Foundations
• Common areas (e.g. shared front door, floors, paintwork, plaster, electrical fittings in the common areas.)
• etc

b) The lease says the leaseholder (flat owner) is responsible for maintaining and repairing these parts of the building:

• internal walls within their flat
• internal plaster on external walls within their flat
• internal doors within their flat
• etc

c) The lease says that the freeholder is responsible for insuring the whole building.

So the freeholder takes out one buildings insurance policy which covers everything in list a) and list b) above.

And the buildings insurance would cover damage caused by:

• fire, explosion, storms, floods, earthquakes
• theft, attempted theft and vandalism
• frozen and burst pipes
• fallen trees, lampposts, aerials or satellite dishes
• subsidence
• vehicle or aircraft collisions.

(Some freeholders also take out a second buildings insurance policy which covers damage cause by terrorism. But that's a whole different topic.)