She can try and take you to Court but the whole point of insurance is when things like this happen.
She should make a claim on it.
The insurance people * may * chase you, but even then it should generally only be for the excess
But she needs to make a claim.
If she tries to issue proceedings you can defend by saying she has insurance and has failed to mitigate her loss
Can I clarify anything for you about this today please?
You can copy and paste it here yes
Yes this seems fine.
And your reply:
However as this act was not caused by negligence and was simply an accident your first step should be to contact your insurers.
They will deal with the matter and if necessary seek to claim against my insurance.
Should you issue a claim in the County Court this will be defended and indeed attention will be drawn to the fact that you have failed to mitigate your loss.
In the first instance you have insurance and are required to make a claim under that policy.
It is a matter for you entirely of course but if you do not then you can not seek to make a claim against me.
Is that ok?
I see. But in that case the contents insurer may or may not pursue you
But in any event the first claim is against insurance
Yes you can but you are the Landlord dont forget after all. The agents can deal with everything for you
Yes of course.
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