own a flat in a converted house and took out insurance for the building as part of my mortgage, share of freehold, bought it a month ago.
The lessee who owns the flat above now wants me to pay for some storm damage to his flat that happened before i owned. as im the new owner am i responsible to pay for his repair or should he contact old owners? because he said he knew of the problem for a two months.
there also seems to be two insurance policies in place, one for the previous owner, he paid half and the one in my name which he has not paid yet.will my new insurance supercede the old one? if it supercedes will i haveto reimburse him for the months left on his old policy or will he chase the old owner?
the lessee said he wants to claim off my policy even though the damage happened before I took the policy out and bought the place? is this fraud?
he he is entitled to claim off my insurance will i have to pay half of his excess?? this is an ongoing problem he has not dealt with maybe because the old owner refused
any ideas greatly appreciated!