no insurance

[liz milligan]

flat upstairs has flooded me they have just had a new gas central heating installed and the guy who fitted it says it was my pipe although its in a cupboard in their living room. ihavnt got insurance the kitchen ceiling has fallen down units destroyed etc when i confronted the gas fitter he couldnt get away quick enough and turned his mobile off. i offered to get a specialist in but owners declined and admitted liability the flat is being renovated to sell on and is empty.

i take care of my 9 year old grandson who is severely disabled and fed through the stomache so the kitchen has to be hygienically clezn to prepare his feeds. its like a bomb site living room is also damaged, where do i stand legally.

[Darkangelsdelite]

I'm sure one of our claims gurus will come along and offer more accurate advice but for now.....
Presumably there will be a tennament policy in force that will cover the whole block of flats as a whole (you'll probably be paying some form of maintainence each month for it). I'd first of all contact the owners of the block and report the situation, their insures should sort it all out.
Failing that, if the flat upstairs has contents cover, then this MAY cover flood damage caused to adjacent properties (this is where i'm a little iffy on details as it not something i usually deal with) so if all else fails, ask upstairs to contact their insurers and see what they say.

DA

[mooreda]

Hi Liz -have you spoken to the occupiers/owners of the flat above where the leak come from? You do have a claim if the occupier/owner has been negligent and in breach of the Occupiers Liability Act 1957. You need to establish from the occupier/tenant of the flat above how the leak has occurred and ask for the details of their Contents Insurance Company and Policy Number. When you have this information you need to contact the Insurer and make a third party claim.

[patdavies]

Originally Posted by mooreda

Hi Liz -have you spoken to the occupiers/owners of the flat above where the leak come from? You do have a claim if the occupier/owner has been negligent and in breach of the Occupiers Liability Act 1957. You need to establish from the occupier/tenant of the flat above how the leak has occurred and ask for the details of their Contents Insurance Company and Policy Number. When you have this information you need to contact the Insurer and make a third party claim.

Surely, since you have no contract with the insurer's of the flat above, you will have to claim on the owner/occupier and let them pass it to thier insurers - if they exist - there is no legal obligation to have insurance

[liz milligan]

Thanks For All Your Replies, So Far Neighbour Has Told Me Her Insurance Company Have Asked Me To Get Two Estimates For The Damage To The House And She Had To Fill In A Claim Form With A List From Me For Damaged Items, She Said No Loss Adjuster Was Coming Out And That They Wouldnt Replace My Carpet Only Wash It .i Have Had No Offers Of Dehumidifiers And Still No Electricity Had To Put My Grandson Into Emergency Respite,still Waiting On Builders Estimates.

[mooreda]

why have you put a capital letter at the beginning of each word?

[liz milligan]

hI mooreda,Iwas just about to look at my mail when my son said to me, mum you dont have to keep your finger on the capitals,then igot your message and we both burst out laughing.I am new to this type of thing and not fully computerised yet as you have problably guessed by now.Anyway thanks for cheering me up, I dont know what happened because originally it was ALL IN CAPITALS.

[demon_x_slash]

Yikes - all in capitals/uppercase is SHOUTING online - it hurts to read and many people find it v. rude - just to let ya know, Liz, so you don't accidentally annoy anyone

[liz milligan]

Originally Posted by demon_x_slash

Yikes - all in capitals/uppercase is SHOUTING online - it hurts to read and many people find it v. rude - just to let ya know, Liz, so you don't accidentally annoy anyone

Thankyou demon_x_slash ,How to use your keyboard lesson one, taken on board,i really didnt mean to shout, i had tried to send the quote three times and it never worked, so you can imagine the frustration felt by me cos it takes me ages to do this one wee bit.