Insurance Questions

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Closed, Sticky: Building Insurance - Blocks of flats. by leaseholdanswers Started by leaseholdanswers, 12-01-2014, 11:38 AM	0 responses 5,861 views 0 likes	Last Post by Priever 11-10-2017, 12:34 PM
Sticky: Leaseholder’s rights to 1 insurance policy information & 2 Right to Lodge a Claim by leaseholdanswers Started by leaseholdanswers, 27-12-2013, 09:53 AM	0 responses 3,877 views 0 likes	Last Post by Klanator 06-09-2017, 08:01 AM
Closed, Sticky: Escape of Water In Flats Claims- Who Pays the Excess by leaseholdanswers Started by leaseholdanswers, 30-07-2013, 10:13 AM	0 responses 5,707 views 0 likes	Last Post by leaseholdanswers 30-07-2013, 10:13 AM
Closed, Sticky: Escape of Water Leaks in Flats by ashburnham Started by ashburnham, 04-07-2013, 15:21 PM	0 responses 9,175 views 0 likes	Last Post by ashburnham 04-07-2013, 15:21 PM
Shop with flying freehold Buildings Insurance question by Howletts Started by Howletts, 12-07-2018, 19:16 PM	1 response 168 views 0 likes	Last Post by ashburnham 17-07-2018, 09:30 AM
Insurance admin charges by skidder Started by skidder, 12-07-2018, 11:40 AM	4 responses 72 views 0 likes	Last Post by skidder 15-07-2018, 12:55 PM
Periodic Tenancy and Rent Guarantee Insurance by loades Started by loades, 14-07-2018, 06:03 AM	1 response 101 views 0 likes	Last Post by Gordon999 14-07-2018, 20:36 PM
Leak in leasehold apartment - very concerned by CWalton Started by CWalton, 14-07-2018, 09:06 AM	2 responses 59 views 0 likes	Last Post by CWalton 14-07-2018, 10:02 AM
Legal Expenses Insurance by RayG Started by RayG, 06-07-2018, 07:50 AM	2 responses 98 views 0 likes	Last Post by Gordon999 08-07-2018, 08:53 AM
Insuring for Arrears by RayG Started by RayG, 04-07-2018, 14:25 PM	10 responses 89 views 0 likes	Last Post by RayG 04-07-2018, 17:23 PM
Social Housing Insurance by steevo944 Started by steevo944, 02-07-2018, 15:57 PM	2 responses 59 views 0 likes	Last Post by theartfullodger 02-07-2018, 16:56 PM
Freeholder refuses to give insurance info by Dgaidge Started by Dgaidge, 19-06-2018, 19:57 PM	8 responses 367 views 0 likes	Last Post by Gordon999 02-07-2018, 08:05 AM
Insurance provider by debaura Started by debaura, 20-06-2018, 22:06 PM	5 responses 135 views 0 likes	Last Post by Gordon999 25-06-2018, 13:16 PM
Landlord insurance - is it worth having for leasehold flats? by Stella915 Started by Stella915, 13-06-2018, 07:49 AM	3 responses 99 views 0 likes	Last Post by JK0 13-06-2018, 09:01 AM

Washing Machine leak

aminta

Hi All

QQ

I own ground floor flat in maisonette and own share of freehold with the upstairs neighbor. we both own the share of freehold.

There are only two flats ( ground floor and first floor)

Last week the upstairs washing machine waste pipe break...
- Channel: Insurance Questions
05-10-2019, 10:57 AM
Reply to Washing Machine leak

jpkeates

There's nothing stopping you making a claim, it doesn't cost a lot and it's possible the upstairs tenant might settle or at least make an offer to avoid court.
Same if you get a solicitor to send a letter making the claim.

There are a whole chain of things you'd have to be able to...
- Channel: Insurance Questions
07-10-2019, 14:55 PM
Reply to Washing Machine leak

aminta

The Upstair neighbour in the letter confirmed the leakage was due to the broken washing machine waste pipe and he is sorry for decoration damage.

Based on my discussion with my tenant which he is happy to testify in court, The upstairs washing machine was shaking the whole building every...
- Channel: Insurance Questions
07-10-2019, 13:59 PM
Reply to Washing Machine leak

jpkeates

If you can prove it, your chances would be very different.

Nothing you have posted so far has indicated that you have proof, just a (strong) belief that the vibration was the cause of the problem with the pipe and that the vibration was due to the washing machine being incorrectly bala...
- Channel: Insurance Questions
07-10-2019, 12:28 PM
Reply to Washing Machine leak

aminta

I don't think it's hard to prove negligence, I'd say that it's next to impossible.

Even though i can prove the washing machine has not been set up properly ( ie vibration and shaking ) and vibration was the reason waster pipe was broken and cause a leak

Thanks...
- Channel: Insurance Questions
07-10-2019, 10:45 AM
insurance by Ocaso through my freeholder (local authority) - is it enough?

JamesHopeful

I let out an ex-council leasehold flat. As I understand is usual with leasehold, it is insured through the freeholder (which in this case is the London Borough of Tower Hamlets). The insurer is Ocaso and the insurance is subject to the general conditions of their Household Building Insurance for Local...
- Channel: Insurance Questions
17-03-2013, 11:19 AM
Reply to insurance by Ocaso through my freeholder (local authority) - is it enough?

MooseCode

JamesHopeful did you ever get to a satisfactory arrangement?

7 years later and the issue is still presenting difficulties. My wife is a Local Council Leaseholder who is subletting her flat. Her Council's Block Buidings Insurance Policy is also with Ocaso. Surprisingly it is less favourable...
- Channel: Insurance Questions
06-10-2019, 14:12 PM
Reply to Washing Machine leak

jpkeates

I don't think it's hard to prove negligence, I'd say that it's next to impossible.

It's never happened before and pipes do leak.

A solicitors letter might get the upstairs neighbour to make some kind of offer regardless....
- Channel: Insurance Questions
06-10-2019, 14:04 PM
Reply to Washing Machine leak

Gordon999

Normally the insurance company will only allow the named policy holder to make a claim under their insurance policy.

So you must claim the cost of repair under your own flat's policy if the "joint freeholders" are not covered under a separate insurance policy for the entire building...
- Channel: Insurance Questions
05-10-2019, 22:03 PM
Reply to Washing Machine leak

JK0

Just put the whole problem in your insurer's lap. Maybe upstairs can be persuaded to reimburse your excess if you ask politely.
- Channel: Insurance Questions
05-10-2019, 19:47 PM

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