cracked toilet not covered

continualdiamond

:mad: :mad: :mad: :mad:

Im in a leasehold property and they do the builings insurance, anyway they gave me the number of the insurance company they go with and while a cracked toilet basin does come under buildings insurance, they doubt they would pay out.

All because when we moved in here a year ago a piece of porcelan was already damaged, but just slotted back in and it was okay. For the past month now a nice crack has gone completely around the piece of porcelan and the toilet leaks, not just water obviously, but has a lovely green/blue/rust colour coming out of it as well.

They told me an example of how they would pay out is if you were doing DIY and dropped a hammer etc causing the damage.

I can't very well lie can i, because you can see the piece of procelan that is damaged on the outside.

What am i mean't to do, i cannot afford to pay for it to be fixed....

lisyloo

Building insurance is to pay for accidents.
It's not there to pay for wear and tear.
This is why the example of having an accident would be covered but no just failure through wear and tear.
If it's just failure through age then assuming you own the property then it's your problem to replace or fix it.

If you can't afford the bills that you are responsible for then you need to budget to find a way to live within your income.
Doing an SOA (statement of affairs) where you write down all your outgoings can help to sort this out.
Short term I would guess a loan or credit card is your best bet, but you need to address the current issues with having no contingency to pay fo repairs (or anything else that goes wrong).
A decent budget should take account of house maintenace, car maintenance etc.

Thomas_Crown

lisyloo, continualdiamond stated the following:-

continualdiamond wrote: »

:mad: :mad: :mad: :mad:

Im in a leasehold property and they do the builings insurance,..........

Leasehold can mean an owner occupied property where ground rent is paid to the Leaseholder as opposed to Freehold where the property & the land it is built on is owned outright.

However because of the above comment ''they do the buildings insurance'', I presume that the OP possibly lives in rented accomodation or more likely a flat where the owner/management company of the building takes out the buildings insurance policy. If this is the case then your reply seems a little harsh.

The damage could have been done by the previous tenant/owner of the property & they left knowing of the foreseeable problem.

The OP also said ''I cannot afford to pay for it for it to be fixed'' which could just mean that he/she hasn't got the money to replace the toilet at the present time & not that they have a long term budgeting problem.

A lot of your answer is based upon supposition & not fact. I would like the OP to reply giving us more info about which definition of 'Leasehold' we are talking about & who ''they'' are, ie. the people who arrange the buildings insurance.

lisyloo

If this is the case then your reply seems a little harsh.

Sorry, I thought I put something in saying "If you own the property".

To clarify.
If you own it you are responsible for repairs and maintenance.
If you rent the landlord is responsible and you should let them know as soon as problems occur. It's generally easier to fix things earlier on rather than when they have totally deteriorated and I'm sure the landlord would appreciate notice.

which could just mean that he/she hasn't got the money to replace the toilet at the present time & not that they have a long term budgeting problem

It's possible and I'm sorry if it came across as harsh.
We repeatedly come across people here all the time who (for exmaple) own cars but when something goes wrong have no money to pay for them.
An awful lot of people seem to operate to within their last penny with no contingency whatsoever for normal things like wear & tear which are totally forseeable.
In general I don't think it's a good idea to operate with no contingency whatsoever (if people have disposable income).

But yes you are right, we should understand the situation first.
Sorry if it came across wrong.