PompeyLass Posted 17 May, 2015 Posted 17 May, 2015 Can anyone recommend a good company that can come out and assess the damage left behind after my upstairs neighbour left a tap running and flooded my kitchen and bathroom ?
Special K Posted 19 May, 2015 Posted 19 May, 2015 Sorry PL, don't know where you live, but if it's in Southampton, give JP Plumbing a try - http://www.checkatrade.com/JpPlumbingAndHeatingConsultants/ If it's in Pompey, then I guess a bit more water won't hurt:p
Highfield Saint Posted 19 May, 2015 Posted 19 May, 2015 Your first step would be the insurance company who will want to claim against their insurance I would have thought.
PompeyLass Posted 19 May, 2015 Author Posted 19 May, 2015 Special K, I live near Bitterne. Highfield, that would be the first step if either of us had insurance..............................
buctootim Posted 19 May, 2015 Posted 19 May, 2015 Special K, I live near Bitterne. Highfield, that would be the first step if either of us had insurance.............................. Wow, wow how can you not have house insurance? It doesn't cost that much and Id prioritise that over almost anything else, including illegal stuff. Im not local anymore so dont know anyone, sorry.
PompeyLass Posted 19 May, 2015 Author Posted 19 May, 2015 Wow, wow how can you not have house insurance? It doesn't cost that much and Id prioritise that over almost anything else, including illegal stuff. Im not local anymore so dont know anyone, sorry. I know, unfortunately it's been on my "to do list" for ages, certainly a lesson learnt !
hutch Posted 19 May, 2015 Posted 19 May, 2015 You don't say if it's rented or owned. If it's rented I would expect the landlord to insure the fabric of the building and his fixtures and fittings. And if you own it with a mortgage, isn't it a condition of your mortgage to insure it?
SO16_Saint Posted 19 May, 2015 Posted 19 May, 2015 (edited) you mentioned "upstairs neighbour" ... it sounds like you live in a flat. If it IS a flat, the buildings insurance is *usually* covered by the ground rent, and it *may* cover this. Check that first. http://www.lease-advice.org/publications/documents/document.asp?item=87 Edited 19 May, 2015 by SO16_Saint
PompeyLass Posted 19 May, 2015 Author Posted 19 May, 2015 It's a shared ownership property (I own 50%), been advised by the housing association that they are only liable for external walls, roof and communal areas which is covered by buildings insurance.
SO16_Saint Posted 19 May, 2015 Posted 19 May, 2015 It's a shared ownership property (I own 50%), been advised by the housing association that they are only liable for external walls, roof and communal areas which is covered by buildings insurance. Get a copy of the lease and insurance documents. Don't take their word for it. Contents insurance isn't a legal requirement, so you've not done anything wrong. Just unlucky.
Ohio Saint Posted 19 May, 2015 Posted 19 May, 2015 Sounds to me like you would have to sue your neighbour which would be covered by their insurance?
buctootim Posted 19 May, 2015 Posted 19 May, 2015 claim against their insurance I would have thought. that would be the first step if either of us had insurance.............................. sue your neighbour which would be covered by their insurance? I think I've spotted a flaw Ohio
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