Patio window breakage

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

    Patio window breakage

    Whilst sorting out our garden at the weekend, the strimmer caught a random pebble and flicked it at the patio door, fragmenting the pane of glass from top to bottom. Our contents insurer told us that this comes under building insurance, whilst our lettings agency say that this is not considered accidental damage. They won't provide proof of policy wording and just say that they've spoken to the NLA who advise it's not the landlord's responsibility.

    Is this right / do they need to provide proof of policy / are we as tenants responsible, etc.?

    #2
    The exact position is probably, the window is the landlord's responsibility to repair and they would be entitled to reclaim their unforeseen loss from you as you are responsible for it.

    The insurance picture depends on what the individual policies say, and the landlord doesn't have to claim the cost on their insurance (and I wouldn't either because I'd want you to pay for the damage and not risk my policy premiums going up).

    Replacement window panels aren't usually expensive (unless its a particularly complicated door) and the simplest and cheapest thing might be to simply offer to sort out the replacement (at the very least you'll know you're paying what the job actually costs).
    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).

    Comment

    Latest Activity

    Collapse

    • Insurance broker relationship
      by Stacker
      If the company is the freeholder called the principal and the directors called its agents. Could an insurance broker be called an agent of the company also and would the insurance broker owe fiduciary duties to the company?
      07-07-2020, 19:02 PM
    • Reply to Insurance premiums going through the roof
      by Section20z
      desamax,

      More likely there was a big claim and the renewal went up so the only way to get reasonable cover was to accept a high excess.
      You can ask for claims history but I doubt they would tell you it had been declined, they don't normally decline renewals,. Just put price up so...
      06-07-2020, 12:55 PM
    • Insurance premiums going through the roof
      by flyingfreehold
      Those seeking renewals of buildings policies will find that insurers are taking a much tougher line especially where there have been chunky losses and premia are rising dramatically

      A broker put it to me this way. In 2020 insurers have made negative income on its investments therefore...
      17-05-2020, 10:41 AM
    • Reply to Insurance premiums going through the roof
      by flyingfreehold
      I think the present insurers are perfectly reputable. I cant see that there is a way of ascertaining that the previous insurer declined. Companies are fickle and they do from time to time exit specific types of cover....
      06-07-2020, 08:53 AM
    • Reply to Insurance premiums going through the roof
      by desamax
      Our excess have been increased, the 'escape of water' one is now 5K from £250 all others have doubled. This is a mixed use property all sold off on long leases. we have a feeling our landlord has had the insurance declined by the long standing insurer and we now have some unknown underwriter, the policy...
      04-07-2020, 12:47 PM
    • Leasehold Second Home insurance
      by Rincewind
      Hi All

      I have a leasehold holiday home (flat).

      The lease states: . . . "the lessor will at all times during said term (unless such insurance shall be vitiated by any act or default of the Lessee) insure and keep insured the building including all common areas and common...
      27-06-2020, 09:18 AM
    • Reply to Leasehold Second Home insurance
      by Rincewind
      yes but . . . the lease says

      "The lessor will at all times during said term (unless such insurance shall be vitiated by any act or default of the Lessee) insure and keep insured the building including all common areas and common services against fire and such other risks (if any) as...
      29-06-2020, 17:06 PM
    • Building Insurance
      by hexu
      The dispute has happened since the change of freehold.

      I was told by my conveyancing solicitor that building insurance is arranged by the Landlord for the common parts only and I must insure the flat myself. My lender also informed building insurance I must take out to hold as a condition...
      30-05-2020, 16:10 PM
    • Reply to Building Insurance
      by hexu
      Hi ATC, I seem to misunderstand your point previously. My solicitor has written to the freeholder, but he does not accept our position. His reply is shown as below:

      "Insurance companies are unable to cover the structure of the building and common parts of the building without taking...
      27-06-2020, 19:00 PM
    • Reply to Leasehold Second Home insurance
      by Section20z
      I think your best bet is to notify the insurers directly that it is occasionally vacant for longer periods . (As long as your lease has no clause against it) otherwise you may be liable as you say.
      Failing that make sure it's occupied at least once a month.
      You can use C19 as a valid excuse...
      27-06-2020, 12:01 PM
    Working...
    X