Urgent Help Required - Car Driven into Flat Damage

[addicted2vogue]

Hi

I am seeking urgent advice. I own a flat in an estate that is run by a Management Company. On Sunday someone crashed their car in to my main & 2nd bedroom wall causing structural damage. As it is leasehold the building insurance is the responsibility of the Estate. At present the building has been deemed a safe structure and I can move back in. However we are waiting for the loss adjusters/insurers to come and inspect the premises & to take the necessary action. So far the Management company have been extremely poor in handling this incident. I have had to call them yesterday and now again today for any update regarding the insurers etc turning up. We have actually received no communication from them at all, both myself and the upstairs flat have had to call the Management Co for information. In addition to this we have requested the details of the insurers and reference numbers so that we may follow this up ourselves – yet to no avail despite 3 requests

Can anyone advise me on what to do in this situation? I appreciate it is not every day that someone crashes their car in to your property however I need to understand if I can deal with this situation myself or if the management company are solely responsible? I have a broken walls in my 2 bedrooms which needs to be sorted ASAP?!

Thanks!

[jeffrey]

Does the Management Company own the freehold reversion to the block, or is it only an outside contractor engaged by the true f/r owner?

[addicted2vogue]

The management company are working on the residents behalf, they do not own the freehold

[jeffrey]

So in whose name is the block insurance policy: F, Mgt. Co., or other?

[addicted2vogue]

Unfortunately I am not entirely sure. Sorry!

[jeffrey]

Well, you should AT ONCE look for (and read) the insurance policy- booklet, summary of cover, small print conditions, etc.

[leaseholdanswers]

There is no reason why a loss adjuster should not have been with you Tuesday or today.

Call the Man Co, insist on being given the insurer name policy number, brokerage if there is one and any number which is claims line if they have one.If they wont then ask to speak to one of the partners or directors, and if they are not too far away go and present yourself!

I agree this may seem badly handled but not all agents are employed to handle claims as part of their duties.

So get the information and file a claim directly.

[leaseholdanswers]

Call them as well they have access to insurers registers and may be able to track them down as well.

Any port in a storm!

[paulb67]

Hi addicted2vogue

If there is a residents association, you might find out the insurer details from one of the directors, meeting minutes or similar.

You might find the insurer details on the Employers Liability certificate (assuming you have this cover) either pinned up on a notice board or if you are using a more modern managing agent their website.

Good Luck