A washing machine in the flat above mine leaked badly & damaged some of my possesions. I do not have insurance for the damaged items but surely the people who live above me are liable. Can I claim on their insurance? How do I make a claim? Can I claim for the exessive heating bill I'll recieve because the heating has been on 24 hours a day to dry the property out?
2007-03-09 03:16:46 · 12 answers · asked by Anonymous in Home & Garden ➔ Maintenance & Repairs
If you rent, you only need contents insurance. Your landlord/landlady will have the buildings insurance, go to them or your letting agent and they should sort it out.
2007-03-09 03:21:45 · answer #1 · answered by Anonymous · 0⤊ 0⤋
You cannot claim off of your neighbours even if they are at fault I'm afraid (I know!) Crazy I know, but if the flat is rented and the flood was caused by poor maintenence to pipework etc, you may well be able to come to an arrangement with the landlords insurance but if you don't have contents insurance you could be on a sticky wicket. Sorry.
2007-03-09 03:35:47 · answer #2 · answered by rich2046 1 · 0⤊ 0⤋
What do you do now?
You find out who's responsible for your inconvenience and loss and get them to stump up the funds to compensate you.
Whether or not they have insurance is irrelevant. It's a chance they may have taken not to have insurance but that doesn't absolve them of responsibility. Your life would have been a lot simpler if you'd have had your own insurance. You could just have left it to them to sort out the muddle you're now in.
Isn't hindsight wonderful?
Best to get proper legal advice. Good luck.
2007-03-09 03:58:14 · answer #3 · answered by Pit Bull 5 · 0⤊ 0⤋
Get in touch with the CAB or the local Housing Advice Centre they should be one in your town centre. Explain the situation and they will advise accordingly. I should think if the person upstairs was to blame then you should be able to claim of their insurance that's if they are insured. Good luck hope all goes well x
2007-03-09 03:21:21 · answer #4 · answered by spensmum 4 · 0⤊ 0⤋
I would expect that the downstairs damage (to the flat) would be the responsibility of the owner, and you KNOW they have insurance. He/she would also know the answer to the rest of the damage and heat bill.
2007-03-09 03:26:01 · answer #5 · answered by ? 7 · 0⤊ 0⤋
You need to instruct a solicitor to recover the damage to your posessions from the people above. Their insurance will then cover the costs. Provided of course that they are insured. If not, then you'll either bankrupt them or end up with nothing...
2007-03-09 03:21:51 · answer #6 · answered by mark 7 · 0⤊ 1⤋
Do the people living above you even have insurance? And if so, does it include Liability for others? You would have to sue them -- if that's what you want to do.
2007-03-09 03:19:34 · answer #7 · answered by kja63 7 · 0⤊ 0⤋
Take it up with your landlord - it'd one of the few times they will be on your side -0 just make sure you are not to blame first - get a plumber round to make an assesment of your property/equipment first.
2007-03-09 05:32:36 · answer #8 · answered by Anonymous · 0⤊ 0⤋
that's no longer a delightful situation. are you able to no longer in basic terms pass out - tell him if he won't discover option lodging then you will could pass and discover one your self - if he refuses you to pass or would not help you discover option lodging then seek for advice from the CAB (as previous answer suggested) or a criminal expert. stable success
2016-11-23 17:19:37 · answer #9 · answered by demeritte 4 · 0⤊ 0⤋
Speak to the citizens advice bureau
2007-03-09 03:19:18 · answer #10 · answered by richard_beckham2001 7 · 0⤊ 1⤋