I woke up ths morning to find water dripping from the kitchen ceiling, all over the floor, ruining my laminate flooring, ceiling and paintwork. The flat upstairs had a new water tank fitted yesterday and it has leaked. My partner owns the flat on a leasehold where as upstairs rent. Who should pay? Should I contact my household insurance?
2007-01-02 17:55:02 · 12 answers · asked by hajane 1 in Home & Garden ➔ Decorating & Remodeling
both your insurance provider, and the upstairs landlord, as you should be able to claim against them.
the upstairs landlord, or tenant are responsible for the damage to your property, also check your leasehold agreement.
good luck.
2007-01-02 17:58:46 · answer #1 · answered by Anonymous · 0⤊ 0⤋
I would look to claim from the landlords insurance, not your own. You are not responsible for the damage. Also, if the water tank was only fitted yesterday and was done by a plumber. The plumber could also be responsible. He should have customer liability insurance. Either way I wouldn't recommend using your own insurance. Good luck
2007-01-02 18:36:51 · answer #2 · answered by Anonymous · 1⤊ 0⤋
The upstairs landlord is responsible for the damage. However, I would suggest you contact your insurance company and the landlord get his insurance details and pass this on to your insurance company. In the end he should be able to claim the loss back from the outfit that fitted the watertank. If they wern't fly by nighters. I would try to catch the water though and minimize the damage. Good luck.
2007-01-02 18:31:03 · answer #3 · answered by Anonymous · 1⤊ 0⤋
Contact your insurers and they will contact the Landlord upstairs. Then it is down to the landlord or the company who fitted the water tank to foot the bill. You insurers will pay but will claim from either of the above.
2007-01-02 19:33:43 · answer #4 · answered by ? 2 · 0⤊ 0⤋
I was in a similar situation to yourself, I am in a ground floor flat rented by the local council and my neighbour upstairs who also rents from the council had a leak from a dodgy pipe which leaked in to my kitchen and destroyed my laminate. I claimed of his insurance.
2007-01-02 18:02:34 · answer #5 · answered by Peachy 2 · 0⤊ 0⤋
I wish I had precise information to help you.
However what I do know is that in those circumstances I would not be claiming on my own home insurance. I would be checking to do whatever was necessary to claim repair costs from the insurance of whoever rents the flat above out. Good luck with it all.
2007-01-02 17:58:30 · answer #6 · answered by Joe Bloggs 4 · 0⤊ 0⤋
Yes and also the owner of the flat above and get compensation. The insurance people will come round and access the damage and redo the kitchen up free for you. Good luck. It happened to me about two months ago but it was my own pipes in the loft.
2007-01-02 17:59:47 · answer #7 · answered by Anonymous · 0⤊ 0⤋
You definitely will want to contact your insurance company... but you might get lucky and have the upstairs rental insurance to help pay the costs... could be confusing though, if they plan on suing the installers...
Good luck.... and I sure hope you have water damage insurance in your insurance, or you won't be able to claim.
Make sure you document everything... notes, messages, photos, discussions, repairs, costs, receipts... EVERYTHING!
2007-01-02 18:01:54 · answer #8 · answered by The ReDesign Diva 7 · 0⤊ 0⤋
The upstairs landlord is responsible in the first instance,but claim through your insurers
2007-01-02 21:10:34 · answer #9 · answered by mystere 1 · 0⤊ 0⤋
who ever is the owner of the flat above urs is repsonsible for that and builder of the flat is also responsible if the structure is within warrenty period for roof is leaking due to weak surface unless they have damaged while fixing new tank if the damageis caused while fixing tank then the person who owns above flat is responsible
2007-01-02 21:54:19 · answer #10 · answered by sb r 2 · 0⤊ 0⤋