as far as i am aware the freeholder pays the building insurance.
the s/c fees contribute to the building maintenance
contents insurance is separate
the property market is on an incredible low. so friend would not sell now.
Something else that may be an issue here. If friend has a mortgage they will have to have buildings insurance and I am sure that one of the questions relates to the property being empty for extended periods. Has this been addressed, if not and there is a claim there will be a good chance of it being refused.
Not sure what you mean with regards a poor sales market, if its regarding property its not that bad and will not grow by any large amounts anytime soon.
I may have missed a letter/letters. I got a Moriarty text message referring to a different reference number than from the PAP I already replied to. Should I also 'Pap-reply' to this reference number just in case? They may be trying to backdoor CCJ me. I have received nothing in the mail, but then my mail does go 'missing' a lot from my flat's shared mailbox.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!