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
Commercial insurance on Residential Flats by Dazvader Started by Dazvader, 27-06-2019, 07:50 AM	36 responses 296 views 0 likes	Last Post by Dazvader 07-09-2019, 19:43 PM
Balcony leak caused by a birds nest by Dazvader Started by Dazvader, 15-06-2019, 07:52 AM	11 responses 120 views 0 likes	Last Post by Dazvader 28-08-2019, 17:52 PM
Rent protection insurance for tenant with credit check but with NO reference by BrightonFlat Started by BrightonFlat, 27-08-2019, 16:21 PM	4 responses 78 views 0 likes	Last Post by boletus 27-08-2019, 20:26 PM
Commerical long leaseholders rights to see building insurance by desamax Started by desamax, 19-08-2019, 13:24 PM	6 responses 40 views 0 likes	Last Post by desamax 19-08-2019, 19:48 PM
Landlord of Residential Insurance? by JPM Started by JPM, 07-08-2019, 01:14 AM	2 responses 49 views 0 likes	Last Post by ashburnham 07-08-2019, 07:38 AM
what is my responsibility. by georgi Started by georgi, 06-08-2019, 13:49 PM	1 response 62 views 0 likes	Last Post by leaseholder64 06-08-2019, 13:56 PM
Missold buildings insurance? by HazeltonLane Started by HazeltonLane, 02-06-2019, 11:51 AM	10 responses 174 views 0 likes	Last Post by leaseholder64 05-08-2019, 09:48 AM
Leak from another building - claim on our insurance by paduk Started by paduk, 30-07-2019, 08:05 AM	6 responses 81 views 0 likes	Last Post by AndrewDod 30-07-2019, 16:04 PM
Malicious damage by a tenant - covered ?? by bowsden Started by bowsden, 21-06-2019, 15:46 PM	3 responses 98 views 0 likes	Last Post by ashburnham 24-06-2019, 13:29 PM
Solar PV faulty installation by mariner Started by mariner, 22-06-2019, 03:17 AM	5 responses 85 views 0 likes	Last Post by ashburnham 24-06-2019, 08:29 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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