Ceiling Collapse

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    Ceiling Collapse

    Hi, My rental flat's kitchen ceiling collapsed recently. I've a feeling tenants were away when it happened - from what letting agent seems to be saying. The total loss will be approx £580 to me, which is annoying. This is split £80 for clean up and £500 repairs. The repair should be a 'proper' job, not a patch up. My excess is £275 for water damage and I'm hovering about whether or not to go through insurance. I have a couple of questions - Am I obligated to inform insurance company if I don't claim (letting agent has their details)? If I make a claim, do I need to let my own home (not rental property) insurance company know, if I decide to shop around - '....have you made any claims within the last 3 years?'
    Hope someone can help.

    #2
    You should tell all your property insurers you use of the incident whether you claim or not. You will probably find that insurers phrase the question regarding claims along the lines of "Have you suffered any loss... whether insured or not... whether at this or any other premises...etc".

    If you are not claiming, you would make it clear that you are reporting an incident purely for information purposes and are not intending to make a claim. Obviously not making a claim would mean retaining any No Claim Discount earned so hopefully should not affect your premium going forward but this is not guaranteed.
    Steve Smith - Company Director at a leading Landlord Insurance broker with 20+ years experience in the industry
    LandlordZONE Verified Poster and Topic Expert for Landlords Insurance since 2009
    See my profile for contact details

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      #3
      Thanks Ashburnham; do you know if this is still the case for my own residence? ie,Whether I do or do make a claim (rental property), and the time arrives for my own residence's insurance quote, do I inform them that there was an escape of water in the rental property? Both properties have different companies.

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        #4
        They may want to know about any claims/incidents/losses that are related to the risk you are insuring. It could be argued that you have had an incident as a property owner so it is therefore a "related" incident. You simply need to ask them the question, they may say they don't need to know, but then at least you have covered yourself.
        Steve Smith - Company Director at a leading Landlord Insurance broker with 20+ years experience in the industry
        LandlordZONE Verified Poster and Topic Expert for Landlords Insurance since 2009
        See my profile for contact details

        Comment


          #5
          I have an update. Letting agent says joiner/plumber cannot see a leak. The walls and floor show no water. The ceiling surrounding the collapse is dry.I've been unable to attend due to personal reasons. There's been no repair of a pipe at the flat above. I don't want this to happen again, in case there is a tiny leak somewhere. If I contact insurance company (I've not been in touch with them yet, because of the same personal reasons) with this update, and I say I don't wish to make a claim - will they be willing to come out and take a look?

          Comment


            #6
            The insurance company are either involved or they're not, I can't imagine they'd do anything unless they were involved in the claim.

            Other than the cost, there's nothing to stop you hiring your own loss adjuster to have a look at the damage on your behalf.

            When I post, I am expressing an opinion - feel free to disagree, I have been wrong before.
            Please don't act on my suggestions without checking with a grown-up (ideally some kind of expert).

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