Has it been dropped for a reason such as hefty premiums if the property has been flooded before?
The landlord will have covenanted in the lease to insure the property for a variety of risks which would usually include flood and would often be put down with words along the lines of “and all risks which a reasonable landlord would insure against”.
Check the wording in the lease which will usually be listed under Landlords Covenants. Once you have that, you then have something positive to approach the landlord with.
Provided this is not been dropped for some reason of extremely expensive premiums perhaps resulting from previous floods, if the property is in a flood prone area, then the landlord is in breach of the covenant to insure. However even if the premiums are really expensive, if there is an actual covenant to insure, he must insure it.
My suggestion would be to get as many leaseholders as you can to write to the landlord threatening a joint action if he refuses to reinstate the flood insurance. Your action would be for an injunction to make him take out flood insurance.
A solicitors letter on behalf of all the leaseholders would carry even more weight.
Can I clarify anything for you?
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