Buildings insce for tenant

Linden

Member

Join Date: Aug 2021

Posts: 8
#1

Buildings insce for tenant

17-05-2022, 07:55 AM

I understand it is a landlords responsibility to insure the house I live in. However, as a tenant, could I choose to take our buildings insurance. If I could, I would then advise my landlord that I have done this, and he has no need to.
Would the insurance in my name my valid?
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ashburnham

Senior Member

Join Date: Oct 2007

Posts: 773
#2

17-05-2022, 14:48 PM

The insurance in your name would be invalid. Only the owner can insure the property. What is the reason for you wanting to do this?

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Reply to Building Insurance liability in Block of Flats

by Gordon999

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.
- Channel: Insurance Questions
01-07-2022, 12:57 PM
Building Insurance liability in Block of Flats

by jp13abk

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...
- Channel: Insurance Questions
30-06-2022, 11:04 AM
Reply to Building Insurance liability in Block of Flats

by flyingfreehold

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...
- Channel: Insurance Questions
30-06-2022, 23:35 PM
Reply to Building Insurance liability in Block of Flats

by jp13abk

Here are the two remaining lease sections that I refer to in my questions above....

2 Photos
- Channel: Insurance Questions
30-06-2022, 20:13 PM
Reply to Building Insurance liability in Block of Flats

by AndrewDod

It is still a nonsense. It is asking lessee to insure a portion of something which lessee cannot insure....
- Channel: Insurance Questions
30-06-2022, 20:13 PM
Reply to Building Insurance liability in Block of Flats

by jp13abk

Apologies, for some reason the photos I uploaded earlier were too small...

2 Photos
- Channel: Insurance Questions
30-06-2022, 20:10 PM
Reply to Building Insurance liability in Block of Flats

by AndrewDod

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......
- Channel: Insurance Questions
30-06-2022, 18:37 PM
Reply to Building Insurance liability in Block of Flats

by jp13abk

2 Photos
- Channel: Insurance Questions
30-06-2022, 17:26 PM
Reply to Building Insurance liability in Block of Flats

by jp13abk

I have re-read the lease and it seems clear: the interior of the flat must be insured by the lessee.

I've added screenshots of the relevant sections and I would appreciate if someone could confirm or correct my interpretation.
Section 4 - Lessee Covenants: lessee must insure the interior
...
- Channel: Insurance Questions
30-06-2022, 17:17 PM
Reply to Building Insurance liability in Block of Flats

by jp13abk

Thanks for your quick responses.

RentoRento it is a demised property. As you correctly mention, there are areas that fall under the responsibility of the lessee (I'll attach the relevant lease section once I get hold of it).

AndrewDod damage to (a) the structure of my flat...
- Channel: Insurance Questions
30-06-2022, 16:31 PM

Buildings insce for tenant

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