Hi all,
Sorry for a basic question. I am renting out my one bedroom flat for 12 months (rent and collect through an agent). Would someone mind telling me what insurance I need? Is it just a landlord insurance? I heard Which report may help?
Many thanks
Anna
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18-06-2019, 11:19 AM
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Reply to Newbie LandlordThank you very much. That is a good tip regarding "only let for a six month fixed term then let it go periodic", I did not realise I could do six months. I thought only 12 months minimum with break clause at six months.
Sorry when you say "You only need what is required by your...18-06-2019, 12:29 PM -
Reply to Newbie LandlordYou only need what is required by your lender. That may be covered by the buildings insurance for the block, but make sure that that insurance covers sub-let flats. Anything else depends on your willingness to take risks.
Landlord insurance is a packaged product so you need to look at...18-06-2019, 11:38 AM -
I've notified my insurer about the partial ceiling collapse. I don't know if it's due to water damage or just that that part of the ceiling was wek. The building was built in 1880s. The repair bill is - £88 for initial clean up, £500 for repair. Rather than claim through my insurer, can I claim against...16-06-2019, 11:06 AM
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Reply to Damage to CeilingBut won't flat above have same policy as you?
Maybe you could ask them to pay the excess if any.16-06-2019, 17:15 PM -
First post. Please go easy folks.
Recently I awoke to a loud, rapid tapping noise. It turned out to be a leak in a bedroom from the flat above. The small balcony above had a birds nest over a drain and water had risen up in the small area, deep enough to rise over the flashing and was pouring...15-06-2019, 07:52 AM -
Reply to Balcony leak caused by a birds nestIs it really "obvious appropriate checks were not made"?
If you were experiencing repeated leaks that were clearly a result of a single issue, and the leaseholder and/or resident of the flat above had been informed of the problem but not taken appropriate action, you might have...16-06-2019, 06:23 AM -
Reply to Balcony leak caused by a birds nestSorry I wasn’t clear. There have been 4 leaks in total. The washing machine instance is the 3rd one which hasn’t and the 4th is being dealt with by the managing agent.
I have read the link you mentioned, thanks for that. The sentence ‘A reasonable standard of behaviour would be to...15-06-2019, 11:10 AM -
Reply to Balcony leak caused by a birds nestYou said t"The first two were sorted by him to an unimpressive standard"); that is compensating you.
People are only legally responsible to compensate you if they have been negligent, not just because they own the source of the problem. That means they have to have done something...15-06-2019, 10:43 AM