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Who's insurance should pay fro the damage.


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My mum lives in a retirement village of approx 90 units. Roughly 30% are privately owned, 30% are jointly owner/renter and 30% are local authority. My mum pays for a monthly maintenance contract that covers security, maintenance and common ares (corridors/lounges and tv room etc.

 

My mum has had laminate flooring laid throughout the apartment to allow easier access for wheelchairs. A few months ago, one of the radiators in her apartment leaked and caused damage to the laminate flooring. It was due to poor quality rather than any impact damage. The housing company said the repair should come off her own insurance.

 

Another leak has now occurred, this time from poorly fitted pipes in the bathroom. The leak from this has also caused damage to the laminate flooring. I believe that these leak should be paid for by the housing company insurance rather than my mums since the interface between my mums property and that of the housing company would be the radiator valve or the sink unit. If my mum wanted to change the radiator for a decorative radiator of her choice, i 'm sure she would not be allowed to since it would be interfering with the heating system for the whole building.

 

Please can anyone advise on what course of action to take?

 

Thanks for any help or info provided.

Edited by honeybee13
Paras
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What does it state n the small print of her maintenance contract...is Insurance referred to ?

 

 

Andy

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Own Insurance for anything internal within her own flat.

 

Suspect she can change radiators and other internal fixtures.

 

In regard to any issues of poor quality plumbing, how old was the flat when she bought it ?

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is heating communal? How old is development?

The ghastly plastic push fit plumbing used in many modern buildings is prone to leaking so I would suggest that someone takes a look at it and if possible does a pressure test on the water and heating supplies. She may well have a claim against the builders guarantee so get it looked at and then see what needs doing to put everything right as no insurer will foot that bill and will get fed up of paying out when negligent installation is the cause of the problems

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Hep2O don't leak.

Was sceptical myself at the beginning, then i tried putting those at 10 bars for an hour and no leak (done in my workshop on the bench).

Usually internal plumbing is the owner responsibility.

If your mum owns the place she'll have to claim off her insurance, unless she can prove that the leaks are due to poor workmanship of management company

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Hep2O don't leak.

Was sceptical myself at the beginning, then i tried putting those at 10 bars for an hour and no leak (done in my workshop on the bench).

Usually internal plumbing is the owner responsibility.

If your mum owns the place she'll have to claim off her insurance, unless she can prove that the leaks are due to poor workmanship of management company

 

 

 

Guys, thanks for your help. I'll double check her contract.

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is heating communal? How old is development?

The ghastly plastic push fit plumbing used in many modern buildings is prone to leaking so I would suggest that someone takes a look at it and if possible does a pressure test on the water and heating supplies. She may well have a claim against the builders guarantee so get it looked at and then see what needs doing to put everything right as no insurer will foot that bill and will get fed up of paying out when negligent installation is the cause of the problems

 

 

 

Heating is communal. It's a 2009 property and she has been in since they were built. Not sure how to get hold of a copy of the builders guarantee tho'

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