Misinformed about insurance by managing company

  • Filter
  • Time
  • Show
Clear All
new posts

    Misinformed about insurance by managing company

    Hello All,

    Got a situation that has arisen, I will explain what happened.

    Back in June, a water leak from the above flat to my flat, made one of my rentable rooms unrentable, it looks nearly 3 months to fix (due to incompetency of mananging company, drying out walls and then actual work).

    I had a tenant in my room but he moved out. I was informed I could put through a "loss of rent" claim to the insurance company that the managing company had insurance on the block of flats with.

    Then today, I hear from the insurance company that they don't cover loss of rent, just alternative accomodation until rooms are habitable again.

    My mananging company never told me this was an option and therefore I lost my tenant but back then, I had the hope of getting money back from the loss of rent claim, which obviously now won't happen.

    What I'm asking is, can I claim via the Small Claims court my 3 month's rent (£855) from the managing company due to them not telling me this?

    Any advice would be great!


    Thanks for your answer, but what you said isn't right.

    I would've been gaining from the tenant being put in alternative accomodation as the insurance company would've paid for the tenant's accomodation and I would've got my rent from the tenant.

    Also, I didn't understand what you wrote
    I would say not, unless you had your own policy and you did not inform them quickly enough (eg your were relying on the block policy).
    The only policy I have is the block policy so I was relying on them to inform me of what I could do.


    Latest Activity


    • Reply to In Despair
      by nukecad
      TBH you should still be paying your rent to your landlord, and he or his insurance should be paying the rent for where you are now.

      Main question - Exactly how does heating oil running out "damage" a boiler?

      If the fuel runs out the boiler should shut off and just...
      27-01-2021, 02:10 AM
    • In Despair
      by Alesar
      My partner and I have recently been flooded out of our rental - flash flood. We are in temp accommodation but still required to pay council tax on the property. We have been contacted today by the landlord to say that the heating oil had run out and damaged the boiler which they now want us to pay £390...
      26-01-2021, 23:01 PM
    • Reply to New Lodger putting back moving date
      by amy131
      I have moved on, holding deposit returned, asked them not to send me any more messages, they seem to have stopped. Now advertising again.
      Interestingly their landlord just posted a room advert on facebook, but its for one of the smaller rooms in the house available immediately at just £30 pcm...
      27-01-2021, 00:04 AM
    • New Lodger putting back moving date
      by amy131
      I was due to have a new lodger move in this week. To be honest I felt I made a mistake offering them the room after I said they could have it. My gut feeling just tells me I could have problems with this one. They have come across a little pushy and fussy in emails since and there have been past affordability...
      25-01-2021, 20:28 PM
    • Reply to In Despair
      by Alesar
      The landlord has been in and out f the property constantly dealing with repairmen etc. We are living elsewhere and paying rent on another property until the house is habitable for us to move back in.

      The only time we have been back is at the LL request to move our ground floor furniture...
      26-01-2021, 23:16 PM
    • Reply to Landlords responsibilities and repercussions
      by boletus
      It is now.

      Now that you've altered your original post......
      26-01-2021, 23:12 PM
    • Landlords responsibilities and repercussions
      So this might catch a few of you off guard being a Landlord focused forum rather than a Tenant one, but what the hell.

      As the title says I'm just curious what the potential pitfalls are for taking a Landlord to court. Without writing a huge long story, we've rented a property for 10 years...
      26-01-2021, 16:11 PM
    • Reply to In Despair
      by ash72
      Council tax you would still have to pay as you are still living at the property regardless of the situation, it would be like you went on holiday for 2 weeks and you don't think you need to pay for it while your not at the property.

      Concerning the heating oil running dry, was it in the...
      26-01-2021, 23:08 PM
    • Reply to AST notice period
      by KTC
      Such X months notice requirement for a fixed term tenancy is almost certainly unenforceable.
      26-01-2021, 22:57 PM
    • AST notice period
      by Enyala
      AST Fixed term ending end February. Agreement says T must give 2 months notice of either wanting a new fixed term or giving up tenancy and leaving. T said last week wanted to stay on but today has given 1 months notice to leave. AST does not state will roll onto periodic after fixed term. Can L hold...
      26-01-2021, 20:24 PM