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Hi, thanks for your enquiry. Under the Schedule to the Landlord and Tenant Act 1985 an individual leaseholder or the secretary of a recognised tenants’ association 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. I therefore suggest that you write to the Freeholder and mention this fact to the Freeholder! I hope this assists and answers your enquiry. If so, please don't forget to rate my answer. Kind Regards Al
Hi, I'm afraid there is no way that you personally can find out if there is indeed any Buildings Insurance in place- all details are confidential and there is no right for a third party to seek such information. Kind Regards Al
Hi Roger, provided it doesn't involve a lot of work, happy to answer it within this question. I will await your reply. Kind Regards Al
Hi Roger, I'm afraid you would need to post it and you are best to keep evidence of posting, to avoid the Freeholder later saying he never received the correspondence. Kind Regards Al
Thanks Roger. All the best Al