Originally posted by ifallelsefails
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You probably want to look at something like renovation insurance, Home Protect offer it with public liability insurance: https://www.homeprotect.co.uk/renovation-insuranceLeave a comment:
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Can I get property owner's liability insurance on its own for a house?
Is it possible to obtain property owner's liability on its own for a house?
I realise that it is normally purchased as part of a buildings insurance policy. However, there are some circumstances where buildings insurance may not seem necessary (e.g. for a house which will soon be demolished, or for a house which needs such substantial refurbishment that even a fire or similar wouldn't radically increase the cost of the works) and where it may not easily be possible to comply with the full terms of most standard buildings insurance policies. For such circumstances, property owner's liability insurance on its own would be very useful.
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You are indeed correct but only in part; I manage a top floor flat for an overseas client, several years ago there was ingress of water into the second bedroom and because there were no breaks installed the Insurance Company fully covered the replacement of the floor; great but three years ago the same...03-07-2022, 15:25 PM
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Hello everyone,
I am a leaseholder in a purposed built block of flats that has 16 flats. The freeholder appointed a company to manage the building and communal areas.
The service charge that we (leaseholders) pay to the managing company includes a Building's Insurance. My questions...30-06-2022, 11:04 AM -
But a wood floor that buckles would be considered structure and covered...02-07-2022, 21:49 PM
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In section 6(a) clause (1)(v) The landlord covenant to maintain the water pipes and drains (but not inside the flat).
So water leak originating inside the flat is repaired and paid by the leaseholder.01-07-2022, 12:57 PM -
if for example everything above floor joists in an upstairs maisonette was demised to the lessee, ie to include all structure then the lease would be perfectly okay even if not in accordance with Council of Mortgage Lenders preferences. Generally lenders dont like leaseholder to insure covenants, but...30-06-2022, 23:35 PM
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Here are the two remaining lease sections that I refer to in my questions above....30-06-2022, 20:13 PM
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It is still a nonsense. It is asking lessee to insure a portion of something which lessee cannot insure....30-06-2022, 20:13 PM
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Apologies, for some reason the photos I uploaded earlier were too small...30-06-2022, 20:10 PM
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Your lease makes no sense whatsoever and was drafted by an idiot.
Insure the "interior" to a value of a 1/16 of the whole "block" - what the hell.
The building sounds effectively uninsured.
etc......30-06-2022, 18:37 PM
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