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Last Activity: 01-07-2020, 11:50 AM
Joined: 15-07-2019
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  • hexu
    replied to Building Insurance
    Hi ATC, I seem to misunderstand your point previously. My solicitor has written to the freeholder, but he does not accept our position. His reply is shown as below:

    "Insurance companies are unable to cover the structure of the building and common parts of the building without taking...
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  • Thank you for your valuable opinion.

    It's a Victorian converted house and converted into 4 flats. The current freeholder is a former leaseholder. He owns 2 leasehold flats. As far as I know, he was given an enfranchisement to buy the freehold from the Housing Association (former freeholder)...
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  • Thank you section20z.

    Buyers will notice the clause as they likely need to gain a mortgage. In fact, I would prefer they know. I wouldn’t want them to suffer what I have been experiencing.

    The freeholder invoices me bills that are not my responsibility. Don’t you think...
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  • Thank you Andrew. I do understand the convenience of arranging one policy by a freeholder (in spite of what items he actually insures). However, here are the details of paying building insurance from my lease:

    The Lessee's Covenants: To keep the Demised Premises insured at all times throughout...
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  • hexu
    started a topic Selling a flat with an insurance issue

    Selling a flat with an insurance issue

    I have been thinking of selling my flat. However, there is a problem that bothers me badly.

    Building insurance I must take out to hold as a condition of my mortgage. According to the lease, this is because building insurance is arranged by the freeholder for the common parts only and I...
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