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[ashburnham]

Obviously unacceptable that the insurers have taken so long to send a loss adjuster however before any work was initiated, you should have cleared it with the insurer first. If the property was uninhabitable due to the water damage then the claim could have extended to provide loss of rent cover if...

[ashburnham]

This is a common clause for unoccupied properties but I've never heard of it being applied to one that is occupied. Even if the tenant goes on holiday for a few weeks, this clause should not come into effect. Are you sure it applies? It appears on some of our policy documents but under sections that...

[ashburnham]

We have covered a few of these in the past. Very difficult as per above comments but it is possible. The way we have got it through with our Insurers is to show some kind of stability with the tenant. If it is a house that is temporarily housing a tenant/family for a few days or weeks then this becomes...

[ashburnham]

I am not aware of any increases to that extent with any of our underwriters for landlord property or terrorism cover in the last 12 months. Hopefully this is something isolated to your current insurer who maybe had a bad experience in the last 12 months with something in your postcode area or something...

[ashburnham]

First of all, I assume the leak has been rectified to prevent it happening again. Secondly, get your Landlord Insurance sorted ASAP in case something worse happens!

In terms of repair to your downstairs neighbour, you are unlikely to be legally negligent and ultimately this is what the...