Accident caused plasterboard to come down.

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    Accident caused plasterboard to come down.

    One of my tenants has just said that a part of the bathroom ceiling has come down on her child. (plasterbord). It seems a leak has caused this.
    The child is ok (thankfully).
    I was just wondering would I be covered by my landlord insurance if they did decide to sue.
    Thanks

    #2
    Originally posted by Izzycam View Post
    One of my tenants has just said that a part of the bathroom ceiling has come down on her child. (plasterbord). It seems a leak has caused this.
    The child is ok (thankfully).
    I was just wondering would I be covered by my landlord insurance if they did decide to sue.
    Thanks
    I would think that this risk should certainly be covered by your landlord insurance. The public liability provision should apply, or possibly there is something more specific in your particular policy.

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      #3
      There's probably nothing really for them to sue over: what is their actual loss? (This isn't the States, fortunately...)

      But yes, it would be covered - provided you have that sort of insurance cover; best read your policy document.

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        #4
        Originally posted by johnjw View Post
        I would think that this risk should certainly be covered by your landlord insurance. The public liability provision should apply, or possibly there is something more specific in your particular policy.
        Would the policy still pay out if the leak - and thus the damage/injury - was caused by the landlord's failure to effect repairs/maintenance? I'm not saying it was in this case, but don't policies generally exclude negligence in this context?
        'Pause you who read this, and think for a moment of the long chain of iron or gold, of thorns or flowers, that would never have bound you, but for the formation fo the first link on one memorable day'. Charles Dickens, Great Expectations

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          #5
          You beat me to it! if the landlord had been aware of the leak and had done nothing about it then the insurers could plead ngligence on the landlords part and fail to support him but as Telometer says, what can the tenant sue him for?
          My advice is not based on formal legal training but experience gained in 20+ years in the letting industry.

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            #6
            Originally posted by oaktree View Post
            You beat me to it! if the landlord had been aware of the leak and had done nothing about it then the insurers could plead ngligence on the landlords part and fail to support him but as Telometer says, what can the tenant sue him for?
            Disintegrating Downward Plasterboard Syndrome. Haven't you heard of it? It can cause trauma for months afterwards.
            'Pause you who read this, and think for a moment of the long chain of iron or gold, of thorns or flowers, that would never have bound you, but for the formation fo the first link on one memorable day'. Charles Dickens, Great Expectations

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              #7
              I have one much like this recently. Collapsed ceiling was not covered by insurance due to age and design but i believe it was a lapham plaster design. If its not that then insurance will probably cover
              My views and posts are based on my opinion and any advice given is just that, advice. If you decide to act on any advice given it is with the full knowledge that I am not perfect and anything I say could be wrong!

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                #8
                Originally posted by Sorrel View Post
                I have one much like this recently. Collapsed ceiling was not covered by insurance due to age and design but i believe it was a lapham plaster design. If its not that then insurance will probably cover
                Is lapham plaster the same thing as lath and plaster (plaster applied to thin strips of wood, usually found in pre 1900 houses and usually held together with bits of horsehair, anthrax spores, etc?)
                'Pause you who read this, and think for a moment of the long chain of iron or gold, of thorns or flowers, that would never have bound you, but for the formation fo the first link on one memorable day'. Charles Dickens, Great Expectations

                Comment


                  #9
                  Originally posted by Izzycam View Post
                  One of my tenants has just said that a part of the bathroom ceiling has come down on her child. (plasterbord). It seems a leak has caused this.
                  The child is ok (thankfully).
                  I was just wondering would I be covered by my landlord insurance if they did decide to sue.
                  Thanks
                  Is the property:
                  a. a house (insured direct by you, as owner); or
                  b. a flat/maisonette (insured on a Block of Flats policy)?
                  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


                    #10
                    Originally posted by mind the gap View Post
                    Is lapham plaster the same thing as lath and plaster (plaster applied to thin strips of wood, usually found in pre 1900 houses and usually held together with bits of horsehair, anthrax spores, etc?)
                    Sorry yeah, thats what my ole' granda used to call it (I will excuse you for not picking up on that). You would be surprised the amount of properties that still have that kind of roofing...surprisingly enough this property was in the same area as yours up here
                    My views and posts are based on my opinion and any advice given is just that, advice. If you decide to act on any advice given it is with the full knowledge that I am not perfect and anything I say could be wrong!

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                      #11
                      House insured direct by me, but in a block portfolio policy (number of different houses)... Thanks for the advice so far.

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                        #12
                        Hmm! "Lapham" looks like a corruption of the term "lath and" to me" Are we talking about what I would describe as lath and plaster?

                        P.P.
                        Any information given in this post is based on my personal experience as a landlord, what I have learned from this and other boards and elsewhere. It is not to be relied on. Definitive advice is only available from a Solicitor or other appropriately qualified person.

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                          #13
                          Originally posted by P.Pilcher View Post
                          Hmm! "Lapham" looks like a corruption of the term "lath and" to me" Are we talking about what I would describe as lath and plaster?

                          P.P.
                          PP : Read posts 7,8 and 10!!!
                          'Pause you who read this, and think for a moment of the long chain of iron or gold, of thorns or flowers, that would never have bound you, but for the formation fo the first link on one memorable day'. Charles Dickens, Great Expectations

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