How to check if house has insurance?

Question

I have a leasehold on a flat in a block owned by landlord who has freehold. He will not give us the buildings insurance details to make a claim and I am beginning to suspect there is no insurance. Anyone know how I can check this? Thanks

Answer 1

talk to a lawyer. i bet that would get your landlord to open his mouth faster.

Answer 2

Your claim rests not with the Insurance company per se but with the Freeholder of the property - therefore make a claim against him for whatever damage has been done. IF (and only if) the freeholder possesses insurance can he claim against that policy to meet the value of whatever claim you choose to make. If he does possess insurance, in the fullness of time you will no doubt be contacted by a loss-adjuster hired by the Insurance company. That way you will then learn whether your Freeholder does possess building insurance.

Answer 3

Any and all claims go through your insurance company first. Then if it warrents, your insurance company has ways to contact his insurance company to fight over what ever problem there is. Always call your insurance first and let them do the fighting. That is what they are paid for. And if you chose not to get insurance you are out of luck. Because the landlord insurance only covers his building and not the tenants belongings. That is what renters insurance is for.
Sorry. Call Your insurance company.

Answer 4

I don't know where you can check, but normally if it's a buildings problem it's the landlord's responsibility to sort out, either dealing with it himself or via his insurers. However, you mention a lease, rather than rent, and in that case it may well be your responsibility to organise cover for your property. Without seeing your lease it's difficult to be sure, but I think you need professional advice; I'd start with the CAB, then perhaps a solicitor to check through your lease.

Answer 5

Go to the CAB. He will be responsible for the buildings insurance, but you are responsible for insuring the contents of your flat. What is the claim you are talking about?

Answer 6

I don't know how things work where you are but here the person that has the insurance makes the claim.

Answer 7

You could not collect on landlords insurance for loses or damages to your personal property. You need renters insurance for that.

Answer 8

The building insurance won't cover the contents. Since the contents are yours, that's your problem, not the landlord's. Renter's insurance is quite cheap.

Answer 9

I f you've a private loan stability, which will be paid first.you want to call your agent, because your coverage will be change value or will be for finished cost. next, you want to communicate along with your lawyer as your divorce contract will dictate. Your question states that you're entitled to "1/2 the fairness' so as that too will dictate what component, if any, of the coverage proceeds you'd be entitled to.

Answer 10

There isn't a way of checking as there is no national database on home insurance. I would write to him requesting the information or asking him if he is going to re-imburse you himself and stating if he doesn't respond within 7 days you will refer the matter to your lawyer. That should be enough for him to take you seriously.

Answer 11

You dont make a claim on his insurance, he does!
You make a claim on your renter's insurance. You do have some don't you? You can sue and then he might be able to get a judgement against him and then his insurance might pay him, to cover part of that judgement