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View Full Version : Insurance- water ingress from flats' blocked gutters



Cartridge_uk
14-06-2008, 15:32 PM
My landlord has building insurance. The tenants of the 4 flats pay for it. However, as there was a water ingress in my flat from blocked guttering on the roof, can the landlord refuse to let the insurance company deal with me. They claim the policy is theirs in their name. I contacted the insurance company and they told me that the insurance is indeed taken out in the landlords name. They wrote to them for authorisation to deal direct with me. Despite numerous letters from me and the insurance company they have not given authorisation. Now 3 years later my flat is still not repaired. They have not refused authorisation they have just not answered the question.

Can they do that?

jeffrey
15-06-2008, 22:59 PM
Are you:
a. a leaseholder; or
b. a sub-tenant of a leaseholder?

Cartridge_uk
18-06-2008, 04:24 AM
I am the leaseholder

jeffrey
18-06-2008, 11:29 AM
I am the leaseholder

The policy is in L's name, true, but it expressly covers all lessees and their mortgagees- so you DO have a clear right to claim, via L or direct.