Insurance for flat owner

[abonae]

Hi

Don't know if this is the right forum, but if not perhaps you could point me to a better one.

My son owns his flat.  The freehold is owned jointly by all the flat owners in the building, and buildings insurance is held jointly.

If my son's central heating were to have a leak that caused damage to other residents flats and contents, is my son liable or should it be covered by the joint buildings insurance?  If he is liable, what sort of insurance would he need to address this?

What about if, say, his bath overflowed and caused damage below?

Many thanks

Abo

[lolerz]

normally in this case it would be covered by the buildings insurance but your son would be liable for the excess as the issue occurred within his demise.

[Ethel Street]

It would depend on what the lease says, how the damage was caused, and what was damaged but most likely your son would be responsible for the damage to.otuer people's flats by a leaking CH system and almost certainly if he lets his bath overflow.

The owners of the damaged flat (or their insurers) would make a claim against your son and if he were legally liable it would usually be insured by his contents insurers under the third party liability section of his contents policy.

[stu007]

Hi

I Agree your son needs to have a very good read of there Leasehold Agreement to see specifically what it states about Insurance and Repairs/Damage.

Does your son have a copy of the Jointly held Building Insurance and again they need to have a good read of this to see exactly what it covers.

Does your son have Contents Insurance for there Flat and if so again they need to have a good read of this to see exactly what it covers.

The scenario you describe is a difficult one to answer as it would all depend on the exact wording of the Leasehold Agreement that was signed as a radiator leaking may actually be the responsibility of the Flat Owner its all in the wording of that Agreement and who is responsible for what i.e. Maintaining/Inspecting these Radiators.

Ultimately the Owner of the other flat would make a claim against your son for the damage caused to there property and your son would pass this onto whichever insurer (bear in mind all the above)

[abonae]

Thanks to all.

 

I'll recommend (once more!) that he gets a contents policy.

 

Abo