Leaseholder insurance rights?

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  • Stacker
    replied
    Originally posted by Shelley12 View Post
    Does a leaseholder have the right to request to be copied in to all correspondence between the management company (and managing agent) and the insurance company, in reference to a claim resulting in a roof leak into their flat? The insurance is paid for via the service charges.
    Start off by writing to them all- create a round robin email and send it to them all...request to be included in all communications so you can help each other and see how they respond..

    Leave a comment:


  • leaseholder64
    replied
    There is no statutory right to that information.

    Was damage to their flat paid from the insurance?

    I can't think of any confidentiality reason for not providing it.

    Leave a comment:


  • Shelley12
    started a topic Leaseholder insurance rights?

    Leaseholder insurance rights?

    Does a leaseholder have the right to request to be copied in to all correspondence between the management company (and managing agent) and the insurance company, in reference to a claim resulting in a roof leak into their flat? The insurance is paid for via the service charges.

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  • 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
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    by Section20z
    desamax,

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    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....
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    by desamax
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  • 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
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