Have made a small donation. [first name only please] Thank you to Martin and everyone contributing for all your hard work.

Just a general thing - it may be worth talking to a credit union. If you can save into a credit union, and when you have enough saved then borrow from the credit union based on that (3 times your savings etc). Not sure how it would impact on your DAS though.

Thanks for the clarification - unclebulgaria. That there was damage isnt in dispute. Just thought it should have been claimed under buildings (esp when i got the buildings insurance paperwork for the neighbour). There had been a leak a few months earlier, different cause same result however so the negligent appears to be what the insurer is after. What are the options / in relation to interest? Curious as to whether this is a standard item- especially as this is the first communication which i have received. Thanks, Fizzy.

oops - sorry. The leak was from my flat to theirs downstairs. Was just if it should be covered by buildings or contents or split. Thanks, Fizzy.

Hi everyone, looking for advice on the following. a while back there some flooding from the flat, which affected the flat below. I requested and received a claim form from the Local Authority. This was passed to the downstairs neighbour. Have received a letter from a solicitor acting on behalf of their contents insurance company. The company are looking for replacement costs, uninsured losses, and interest to date. Should i be asking them to clarify whether anything has been claimed based on buildings insurance (for water damage), and trying to be asking them to breakdown what should have been a Buildings based claim from a contents based claim? Any advice greatly appreciated. Thanks, Fizzy.