hello Yes I have the lease here
Under the tenants covenant the only wording on Insurance is damage by insured risks excepted (save where the policy of Insurance in respect thereof is vitiated avoided or forfeited or the payment of the money thereunder or of any part thereof is refused or withheld.
Under the Landlords covenant - Unless the insurance thereon shall be void through or by the act or default of the tenant to insure and keep insured the Demised Premises in a sum not less than the full value thereof against the Insured Risks in some Insurance Office or with an Underwriter of repute (a summary of insured risks the insurance premium, the name of the insurers and confirmation from the insurers that the last premium has been duly paid to be supplied to the tenant on request but not more than once a year and in the case of destruction of or damage to the Demised Premises or any part thereof from any of the Insured Risks (so as to make the same unfit for occupation and use) as soon as practicable to apply any monies received in respect of such insurance in or towards reinstating the same.
NFU insurance states that we are covered for subsidence. When we phoned them to put the claim in, they did not object to it but they said the Trust had to submit the claim but they told us we could handle the claim if the Trust gave permission for this to go ahead.
Throughout the term to cleanse repair support uphold maintain and keep in good tenantable repair and condition and in whole or in part replace or renew as necessary the demise premises (including the surfaces of the floors thereof and the glass in the windows and the doors thereof and all additions and improvements thereof and the Landlords fixtures thereon and the drains, pipes, sanitary and water apparatus and boundary walls, gates and fences in good tenantable repair and condition in all respects) and to replace from time to time with others of similar character and of equal value all of the Landlords fixtures and fittings as and whenever necessary damage by Insured Risk. Then it carries on to what we said previously.
Hello thank you very much excellent