T wants to do free repairs/ liability question

[LintonM]

Hello all,

We have detached garages for the 8 flats on the property with corrugated roofs (the cheap wavy kind) which are in pretty horrible shape. My end garage has a hole through its roof, which was temporarily mended.

Recently, the roof over the garage next to mine (which belongs to the flat upstairs) was also damaged.

My tenant has volunteered to provide free labour in replacing both roofs, if I and the other flat owner pay for the materials.

The other flat owner is very keen and pushy whereas I am worried about liability issues, should the Tenant injure himself/others while carrying out the repairs (he has no professional liability insurance), or causes damage to adjacent garages (if repairs cause water to leak into adjacent units, for example.)

The Tenant is happy to sign some type of a "contract" releasing me from liability.

Would this be enough? I'm apprehensive, as I've yet to take out landlord insurance and he's keen to do the work this weekend.

Thanks in advance

[theartfullodger]

If you have no landlord insurance take some out NOW!!! Consider: Property burns down, tenant 'orribly burned:

If you have no insurance at all - you're probably bankrupt...
If you have "householders" insurance they likely won't pay for either rebuild or his personal damage & you're likely bankrupt.

Me, I'd thank him kindly but employ a builder who can produce insurance certificates: People fall off/through roofs & wouldn't be able to tell if any "contract" would stand up in court when he's sitting there in his wheelchair with wife, kids & huge bill 'cos he lost his job...