27

Mar, 2017

Monday

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  1. So is there a history of flooding in this area or...

    So is there a history of flooding in this area or is the property close to a water course? Do you have any reason to thinkl the property is at risk of flooding?

    If the answer is no to both then it...
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    In answer to "michaelwgroves" question, probably...

    In answer to "michaelwgroves" question, probably not. Even if it is possible, it would have to be via a specialist insurer who would have to rate on the worst case scenario so you would always be...
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    We had a "senior" member of staff working here...

    We had a "senior" member of staff working here until recently who couldn't get out of the habit of calling them DHSS Tenants (which preceeded DSS and was defunct in 1988)! DSS has massively stuck in...
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    Sorry, you have misinterpreted what I meant... I...

    Sorry, you have misinterpreted what I meant... I was suggesting the lease agreement MAY confirm who is responsible for paying any insurance excess. The insurance excess amount will obviously be...
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    Completely understand the management company...

    Completely understand the management company pushing you away from claiming on insurance. Gives them something else to "manage" along with the potential of rising insurance costs which may cause...
  6. Basically, this is what your insurance cover is...

    Basically, this is what your insurance cover is there for. Most buildings insurance policies will include Property Owners' Liability as standard so all you need to do is forward all correspondence to...
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    I would very much doubt it. All policy wordings I...

    I would very much doubt it. All policy wordings I have read only provide Property Owners' Liability in respect of the property being insured.
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    A tricky one this... quite often when garages are...

    A tricky one this... quite often when garages are separate from the house, they are still under the one deed and this makes it easier to approach an insurer about getting cover for it. As it stands,...
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    This is true in most examples of "how will they...

    This is true in most examples of "how will they know?" but insurers have a habit of digging (excuse the pun) when a customer needs to make a claim. Customer rings insurer worried about large cracks...
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    Every insurer is going to ask if your property...

    Every insurer is going to ask if your property has been underpinned. They will probably also ask about nearby excavations or building works that may have an effect on your property. Even if they...
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    In my numerous years selling landlords insurance...

    In my numerous years selling landlords insurance policies, I have never known an insurer to offer a landlord buildings policy without property owners liability included or at least the option to add...
  12. Like you say it is common practice for AST to...

    Like you say it is common practice for AST to become periodic. All the insurers we use expect and allow this although some of their wordings are clearer than others in this respect. It would be poor...
  13. 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...
  14. 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...
  15. 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...
  20. 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...
  23. 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...
  24. 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...
  25. 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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