LandlordZONE

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Dec, 2016

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  1. Well in your scenario the owner and the occupier...

    Well in your scenario the owner and the occupier are two different things so this doesn't sound right. It would be strange to offer occupiers liability on a landlords insurance policy. Speak to the...
  2. Property Owners Liability... Landlord...

    Property Owners Liability... Landlord Liability... Landlords Public Liability ... these are all phrases that I have heard for what is the same cover in this context. Occupiers Liability (or Tenants...
  3. In terms of liability insurance, you will not be...

    In terms of liability insurance, you will not be able to take over the liabilities of someone else nor insure against them. Your only route may be to ask the freeholder to obtain the appropriate...
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    My post was based on your current insurance...

    My post was based on your current insurance position which is a refusal to pay from the housing association's insurer. The only insurance option is therefore for you to attempt to overturn that...
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    The problem here is that they have denied...

    The problem here is that they have denied negligence so you will somehow have to prove it. We can all see how this has been caused and are completely on your side but unless they come forward,...
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    Head over to the LandlordZONE Insurance Directory...

    Head over to the LandlordZONE Insurance Directory to find a list of companies you could try. If indeed you have something that is slightly out of the ordinary or requires specialist cover then follow...
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    Our "default" excess has slowly increased over...

    Our "default" excess has slowly increased over the years to keep with market trends and for most landlord buildings/contents policies we sell it is now also £250. When we declare the excess to the...
  8. Have a look at the LandlordZONE Insurance...

    Have a look at the LandlordZONE Insurance Directory. Although the companies you will find are landlord insurance providers, most should be able to cover a variety of different property scenarios....
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    If an insurer has agreed to pay out this...

    If an insurer has agreed to pay out this generally means that their investigations are complete in terms of who is liable. I have never heard of an insurer continuing investigations after paying the...
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    Don't quote me on this but believe RLA uses...

    Don't quote me on this but believe RLA uses Rentguard and NLA uses HFIS. Can't give any help on what claims service is like due to them being competitors (and not sure if this is frowned upon by the...
  11. The insurance company should definitely be...

    The insurance company should definitely be informed regardless. They will let you know how you stand in terms of cover and what needs to be done to ensure you are following their specific rules. They...
  12. This sort of damage is almost certainly not...

    This sort of damage is almost certainly not insured under any peril on a standard property insurance policy. I am guessing the wall sits astride the boundary and is therefore jointly owned? On this...
  13. I fear 'theartfullodger' may have a point... not...

    I fear 'theartfullodger' may have a point... not reporting an incident that occured "a few months ago" will probably be your first problem. I think you could play it down saying that you did not know...
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    Who would of thought...another Steve from...

    Who would of thought...another Steve from Southend!

    As you are local, feel free to pop down to my office if you need any face to face advice otherwise the link shown previously will give you a...
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    Trying to decide who is liable via a forum thread...

    Trying to decide who is liable via a forum thread is unlikely to give you the help you need. You really need an expert to delve into the case to get things right. There is a good chance you have some...
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    You could go to the LandlordZONE Insurance...

    You could go to the LandlordZONE Insurance Directory for some companies to try.
  17. There is normally a separate question which asks...

    There is normally a separate question which asks if the property has a subsidence/flood history. Even if it is not asked, you have a duty to disclose all material information that may affect the...
  18. Any decent landlords broker should be able to...

    Any decent landlords broker should be able to provide such cover. We have an online form that caters for putting an insurance policy in the name of a Trust/SIPP/Company name but others may not so...
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    This is true ram but my position as an insurance...

    This is true ram but my position as an insurance broker, I cannot condone the "don't give too much information out" part as you are obliged as a policyholder to inform your insurance company of any...
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    Well a claim was made relating to you and/or your...

    Well a claim was made relating to you and/or your property so it should be disclosed to any insurer you approach. The cost to you and your insurer was nil as the other party's insurer paid for it and...
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    Normally Tenant's Liability Cover within a...

    Normally Tenant's Liability Cover within a Tenant's Contents Insurance covers the tenant for loss or damage to the landlord's building that they are legally responsible for as the tenant. When I was...
  22. I am shocked that this is not asked as part of...

    I am shocked that this is not asked as part of the insurance proposal you are making but as mentioned above it must be covered somewhere. The policy book will only tell you what is and isn't covered,...
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    From my point of view (as a broker), I'm...

    From my point of view (as a broker), I'm certainly with the long-term "money in the bank" as you put it approach. A 3 year policy would mean no threat of us losing a customer after year 1 or 2 along...
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    Not a bad idea but it doesn't exist for this type...

    Not a bad idea but it doesn't exist for this type of insurance (as far as I know) and I can't see this changing anytime soon. The way Insurers assess a risk is constantly changing so it is difficult...
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    I echo the comments above really. £1,000 excess...

    I echo the comments above really. £1,000 excess for subsidence is the standard across the board with every property insurer I deal with (landlords insurance and normal home insurance). Places that...
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