I have buildings insurance through the service charge. I do not have contents insurance as I have no contents of my own in the property.
Not sure if I need to wait for a response? Only other way to leave this conversation is to rate it.
But what did you not have Landlord insurance?
I was not aware it was compulsory. I know my tenants personally so did not feel at risk of them damaging the property or leaving without paying etc.
ok - let me give this some thought overnight.
I assume the Landlord insurance does not cover alternative accomodation?
You mean the building insurance? Thant's what I'm not sure of. Initially they said it would and they are accommodating other occupants who owned one of the flats but now they are saying they won't be.
But why did you not have Landlord insurance yourself to protect the tenants?
I answered this above. I'm sorry but repeatedly asking me why I didn't have landlords insurance (I have explained why) is not helping or answering my question in the slightest.
In terms or protecting the tenants, I believed the building insurance to cover this and the contents insurance was their own responsibility.
If you have paid for the insurance through the managing agent you need to check the terms.
If it states they will cover re-housing then they have to
The only exception is if there is a clause saying they exclude sub tenants.
But ask for a copy of the policy and terms.
If they refuse or there is no term You need to write and set out your losses and request a payment (for rehousing) within 14 days or say you will go to Court within 14 days. You should make sure you send this signed delivery and keep a copy.
If they do not pay you then you can issue proceedings in the County Court. You can either do this online at: www.moneyclaim.gov.uk or by completing form N1 http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n001-eng.pdf and take it to your local County Court.
The Court will then issue a claim which a copy will be sent to the Defendant who will have a limited time to defend it, if not you can enter Judgment and enforce.
If the matter is defended it will be set down for a trial. If the claim is for £10,000 or less it will be a small claim and you will not need representation.
Can I clarify anything for you about this today please?
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