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My name is ***** ***** am happy to assist you with your enquiry.
Under the Schedule to the Landlord and Tenant Act 1985 an individual leaseholder can ask the landlord for a written summary of the policy or an opportunity to inspect and take copies of the policy. The request must be made in writing and the landlord must comply within 21 days. Your landlord can only be required to provide the summary once in each insurance period (usually a year).
The summary should contain the sum for which the property is insured, the name of the insurer and the risks covered in the policy.
Where a landlord fails without reasonable excuse to comply with either a request for insurance details or to inspect or have copies of the relevant policy or associated documents, they commit a summary offence and are liable for a fine of up to £2,500 (level 4 on the standard scale) on conviction. The local housing authority, usually through the Tenancy Relations Officer, has the power to bring proceedings, or they can be brought by the leaseholder privately. Any prosecution must be presented to a magistrate within 6 months of the commission of the offence!
If the paperwork relating to the Buildings Insurance provided by the Freeholder does not include a note of the premium, you are entitled to ask for evidence of this sum.
As regards ***** ***** charge demands, under Section 21 of the Landlord and Tenant Act 1985, they should contain the following information-
- how the costs relate to the service charge demand, or if they will be included in a later demand;
- any items for which the landlord did not receive a demand for payment during the accounting period;
- any items for which a demand was received and for which no payment was made during the accounting period;
- any items for which a demand was received and for which payment was made during the accounting period; and
- whether any of the costs relate to works for which an improvement grant has been or is to be paid.
I hope this assists you and answers your question.