Insurance- water ingress from flats' blocked gutters

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

  • Insurance- water ingress from flats' blocked gutters

    My landlord has building insurance. The tenants of the 4 flats pay for it. However, as there was a water ingress in my flat from blocked guttering on the roof, can the landlord refuse to let the insurance company deal with me. They claim the policy is theirs in their name. I contacted the insurance company and they told me that the insurance is indeed taken out in the landlords name. They wrote to them for authorisation to deal direct with me. Despite numerous letters from me and the insurance company they have not given authorisation. Now 3 years later my flat is still not repaired. They have not refused authorisation they have just not answered the question.

    Can they do that?

  • #2
    Are you:
    a. a leaseholder; or
    b. a sub-tenant of a leaseholder?
    JEFFREY SHAW, solicitor [and Topic Expert], Nether Edge Law*
    1. Public advice is believed accurate, but I accept no legal responsibility except to direct-paying private clients.
    2. Telephone advice: see http://www.landlordzone.co.uk/forums/showthread.php?t=34638.
    3. For paid advice about conveyancing/leaseholds/L&T, contact me* and become a private client.
    4. *- Contact info: click on my name (blue-highlight link).

    Comment


    • #3
      insurance

      I am the leaseholder

      Comment


      • #4
        Originally posted by Cartridge_uk View Post
        I am the leaseholder
        The policy is in L's name, true, but it expressly covers all lessees and their mortgagees- so you DO have a clear right to claim, via L or direct.
        JEFFREY SHAW, solicitor [and Topic Expert], Nether Edge Law*
        1. Public advice is believed accurate, but I accept no legal responsibility except to direct-paying private clients.
        2. Telephone advice: see http://www.landlordzone.co.uk/forums/showthread.php?t=34638.
        3. For paid advice about conveyancing/leaseholds/L&T, contact me* and become a private client.
        4. *- Contact info: click on my name (blue-highlight link).

        Comment

        Latest Activity

        Collapse

        • Freeholder wants to change condition on lease renewal
          John Youngs
          I am in the process of purchasing a new 125 year lease on a BTL flat. The current lease says that in the event of a rebuild of the block being necessary the freeholder will pay any shortfall between the insured value & the rebuilding costs. The new lease removes this liability so only the insured...
          19-08-2017, 12:05 PM
        • Reply to Freeholder wants to change condition on lease renewal
          John Youngs
          Thanks for the reply.

          The lease is down to 56 years, the new one will be 125.

          The current valuation for rebuilding is £7m & insurance is £10m so is ok now. But I wondered what incentive there is for freeholder to keep this up to date. perhaps what you say about adequate...
          19-08-2017, 14:12 PM
        • Reply to Freeholder wants to change condition on lease renewal
          leaseholder64
          Are you renewing because the lease is about to expire, or are you doing so in order to extend one that has at least 21 years to run.

          In the latter case, you extend by exactly 90 years, and change the rent to one peppercorn per year (which will not, in practice, be demanded), without other...
          19-08-2017, 13:18 PM
        • Subsidence cover
          Lorimer
          I have trawled the internet etc. and made some phone calls but as soon as I mention the fact that the boundary wall in our front garden has developed cracks, we are refused cover.

          We have done some investigating and suspect that the cause of the cracks on the boundary wall is a large tree...
          08-08-2017, 06:49 AM
        • Reply to Subsidence cover
          Lorimer
          Agreed. I found that out when shopping around before renewal with the existing insurer. Good job I did not tell the existing insurer where to go in a fit of pique....
          08-08-2017, 17:55 PM
        • Insurance shot up due to water leaks from upstairs.
          Flashback1966
          I have an irresponsible landlord upstairs. Twice, the ceiling has fallen due to a water leak.

          The council are useless and gave no help.

          My insurance has gone up, as I have had two claims during recent years.

          Is there anything I can do about this? Can the upstairs...
          08-08-2017, 15:53 PM
        • Reply to Insurance shot up due to water leaks from upstairs.
          JK0
          What did you expect if you claimed on insurance rather than sued the guy?
          08-08-2017, 16:23 PM
        • Reply to Subsidence cover
          Flashback1966
          I don't understand why you did n't make a claim under the current insurance?

          I had a similar situation with a front garden wall, was leaning. The insurance company sent a surveyor at no cost to me.

          Whilst the house had strong foundation and was n't impacted by subsidence....
          08-08-2017, 15:48 PM
        • Reply to Subsidence cover
          JK0
          I believe you are over thinking this. You definitely want your existing policy to continue, as this will likely be the only firm who will insure for subsidence at a reasonable cost in the future. Also, I would not like to try to claim on your old policy if you have stopped it in favour of someone e...
          08-08-2017, 10:09 AM
        • Reply to Subsidence cover
          Lorimer
          We shopped around a bit when our existing insurer gave us the renewal quote and terms. We could not (at that time) find any other insurer that would offer us an all-inclusive policy. They either declined to insure us or offered to insure us on FLEA terms so we grudgingly renewed on FLEA terms with our...
          08-08-2017, 09:57 AM
        Working...
        X