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Hello, welcome to the website. My name isXXXXX can assist you with this.
Do you know whether this was a pure accident or whether the landlord was at fault here for some reason, e.g. not servicing the appliance.
We think it was an accident. It was PAT tested earlier this year
Okay. Then it's unlikely the landlord is going to be liable. It's worth checking with the landlord whether he has insurance though, which might cover this.
Would it not be covered by 3rd party damage
If there is a policy in place, it might be, and it's worth checking.
Usually though, this is what personal contents insurance is intended to cover.
Yes indeed the items are not worth stealing but we did not think about fire. The only appliance on in the building was the fridge! We were thinking that perhaps buildings insurance covers the owner for other houses that may be damaged in say a fire as a 3rd party and therefore would cover 3rd party damage in this case. But judging from your response you have not come across this before?
It would cover the building, and other buildings from outside of the place where the fire started usually. Not normally is cover provided under a policy for the contents/applicances where it's a buildings insurance policy.
Ok thank you for your help today. We will have to be extra nice to the landlord and next time get contents :-)
:) Yes, I think that's a sensible plan!
Can I ask whether you're happy with the service this evening?
Yes thank you I will click on good service below.