Leak from upstairs - excess £5,000

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    #16
    Originally posted by gnvqsos View Post
    Sorry but a person should not make assertions about things they do not understand-is your doctor qualified or a person who likes to speculate about yiur health using guess work?
    This is a forum, where people offer advice.
    You'd be mad to take personal medical advice from a forum.

    I am not a plumber, but the question isn't about plumbing.
    It's about insurance and the liability of people living in blocks of flats.
    I know quite a lot about that.

    If you don't agree with my posts, feel free to say so.
    But questioning my right to have an opinion doesn't make a lot of sense.
    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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      #17
      Originally posted by Flashback1966 View Post
      I am writing this on behalf of another landlord. There was a water leak from upstairs. Insurance were notified, but the excess was £5,000. This is in high end tower block, but rather dated.

      Who pays for the repair for water leak?
      As stated elsewhere the excess comes from the service charge as landlord insures comprehensively.
      Anyone who has a claim denied due to lack of negligence or act of God needs to find a new insurer.
      We use Aviva flats policy and water leaks are the most common cause of claim and I have never had them try to blame a dodgyplumber or malevolent deity.
      That's why you have cover.

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        #18
        Originally posted by Section20z View Post
        That's why you have cover.
        Except that is not what happens in practice. After 3 or 4 water leak related claims your insurer (and any other insurer you try) will exclude all water related claims from the policy - or set the water claims excess at £20,000.

        So effectively you will have no cover. Whatever the obligation of FH to insure, there will be no cover.

        Comment


          #19
          Originally posted by jpkeates View Post
          This is a forum, where people offer advice.
          You'd be mad to take personal medical advice from a forum.

          I am not a plumber, but the question isn't about plumbing.
          It's about insurance and the liability of people living in blocks of flats.
          I know quite a lot about that.

          If you don't agree with my posts, feel free to say so.
          But questioning my right to have an opinion doesn't make a lot of sense.
          I differ from you in that I would not offer advice or an opinion in areas where I lack either expertise and/or experience.However if an owner fits own pipework and omit inserts this is surely negligent ie should have employed a qualified plumber.I have trained and qualified as a plumber and therefore can offer definitive advice and not guesswork.If you wish to indulge in guesswork from time to time I will not upset you by challenging what you write.

          Comment


            #20
            Originally posted by gnvqsos View Post
            I differ from you in that I would not offer advice or an opinion in areas where I lack either expertise and/or experience. However if an owner fits own pipework and omit inserts this is surely negligent ie should have employed a qualified plumber.I have trained and qualified as a plumber and therefore can offer definitive advice and not guesswork.If you wish to indulge in guesswork from time to time I will not upset you by challenging what you write.
            The question is not about plumbing, it's a question is about insurance, liability and responsibility in a shared building.
            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


              #21
              Originally posted by gnvqsos View Post

              Sorry but a person should not make assertions about things they do not understand-is your doctor qualified or a personnwho likes to speculate about yiur health using guess work?
              You don't have the option to assess the standard of replies from other forum members, you can discuss the technicalities of replies, but don’t get into questioning another member’s credibility.

              These are discussion forums where members have a wide variety of knowledge and expertise, but as with many other public forums, someone seeking free advice from a number of strangers should be very careful in how they apply that advice.
              I also post as Mars_Mug when not moderating

              Comment


                #22
                See the stickies in the 'insurance questions' forum;

                https://forums.landlordzone.co.uk/fo...eaks-in-Flats=

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