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Hi Jo, did you get my response? The website ?seemed to crash so I am sending the response again. Apologise if you are being bombarded!!
Hi Jo, yes they feel that as the chimney coping stone fell onto our side of the semi detached property the responsibility is therefore ours to pay all the damage. The property is a Victorian semi and my family and I live on one side with the other side being split into 5 apartments with various owners and tenants. I think it is administered by a common agent? I accept that the redecorating costs should fall to us to pay but I would have thought that the chimney should be jointly administered (like a common garden wall perhaps?). I don't know about the re-tiling on our side of the roof? The insurance company. who we have made a claim through, have said that they will pay for the redecorating but only half the amount for the chimney repairs (total about £3,000+ including the re-tiling)as they feel half the costs should be met by the neighbours, I have yet to hear from them formally in writing but this was the feedback from the insurance assessor. I don't know how we stand with this, as I am being told by neighbours that the responsibility is ours and being told that it is joint responsibility by the insurance company. Either way we stand to lose out. If you feel it is joint responsibility, I can at least go back to the neighbours and say that I have this from a legal source. Thank you for your kind attention to this matter, John
That's fine and I appreciate the advice. I have some photos taken by the roofer and it does look like the work is on our side essentially. Although their side appears to be bulging and will need to be re-pointed the damaged side is ours.
What happens now with getting the insurance company to pay for the full cost of the repair work on our side as they are 'seemingly' only going to pay half the cost as they feel the repair is joint responsibility?
Thank you again, John
Thank you again for the reply and your help.
The coping stone that damaged the roof did come off in a storm in October as we had suddenly developed a serious problem with water ingress during the storm. It was the next day (or day after that) that a neighbour noticed the chimney had started to collapse.
I guess after what has been said by you, the neighbours are right as the damage is on our side, but what I wasn't sure about was whether the insurance company should pay the full cost that being the case?
I will go back to the insurance company and see what they say. I suspect no joy here as they have offered half although all the damage does appear to be on our side. I will mention what you have said about it being our responsibility as the damage is on our side anyway and see what comes about from that.
Thank you for sorting this matter out for me and I appreciate the time you have taken over this.
Best wishes, John