Hello my name is XXXXX XXXXX I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply as this is not an ‘on demand’ live service, but rest assured I will be giving your question my immediate attention upon return. There is no need to wait here, you will get an email when I reply.
Was there damage to the fabric of the building?
But you say there were no contents damaged?
The building management company has sent two estimates of cost of repairs to our landlord and he has sent those on to us - the items on the estimates are all parts of the flats themselves, ceiling, walls, skirting board, etc. I think the other tenants claimed for any damaged contents on their own insurance or the damage wasn't bad. However the total cost for the repairs to the two flats is just over £2200, no other damage has been mentioned yet.I accidentally ran the tap in the kitchen and it overflowed the sink. The flat hasn't been updated in years, although the bath and bathroom sink have overflows the kitchen sink doesn't, for what it's worth.
Do you have a copy of the Landlord's policy?
Not yet, there is a yellowed document from 1989 in a binder in the flat. My girlfriend (only other joint tenant in the flat) was told by Shelter's advice team that there is no way to compel the landlord to use his insurance. He is a rather difficult person to get along with so we haven't asked him for a copy of his policy yet. Although under section 27.5 of our tenancy agreement we can ask him for a copy of his insurance certificate (I can't remember the wording).
Ok - generally if it is the fabric that has been damaged then yes it would the Landlords insurer that would cover this.
So yes it should be.
However the insurance company could try and pursue you for the layout cost.
You need to check the terms and conditions of the policy and see whether it would exclude the fact you left the tap on
If it does NOT then you are covered.
But yes the Landlord is responsible for insurance and the building
Can I clarify anything for you about this today please?
What is layout cost?
Sorry, cost of repair
Can I clarify anything else?
Just is there a way I can get this transcript emailed to me
Once you rate the service the format changes and you can copy and paste it.
Or come back to it at any time
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and thank you for your help - can I use you in real life if I need this done properly?
Usually yes, but sadly it is against site rules for me to give you my details.
is Alex Watts your real name?
You can't look me up, I am sorry
Its against site rules, as much as I would like to assist.
But you can ask for me on here again for any problems.
Alright, thank you for your time.
No problem. Please remember to leave feedback before you go today and good luck with this.
Just one more thing, what if the landlord refuses to use their insurance, can they do that? Even if I pay the excess or something.