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Did the damage occur prior to their insurance please?
What was the cause of the leak?
It would appear to be the case, the cause of the leak came from a burst pipe from another flat, which had been slowly leaking for a number of years, but as the pipe was in a internal wall cavity the leaseholder would have been unaware of it.
Thanks. From what you say you did not know about it either?
From the point you notified the other party did they fail to act hence worsening the damage?
No, I was not aware of the problem and I imagine the leaseholder where the problem arose was not aware either - the broken pipe was not visible. The problem is our management agent says that there was a change of insurance brokers (which we were not aware of) and the current insurance broker does not pay out for problems that arose before their appointment. I would have thought that the management company before changing an insurance broker would have had a survey of the property undertaken to ensure that there were no problems changing our insurance broker - is that not the normal procedure?