Home Insurance/legal Advice

[stirlingsheep]

This forum is usually the best place to find it...

 

So a few days ago I returned home atbthe same time as the downstairs neighbours (cottage flat - no shared area, they rent from someone, we own). 5 mins later, she is knocking on my door telling me water is coming in her kitchen roof.

 

We phoned our home insurance emergency line, who sent a plumber within 3 hours who isolated it (and came back and full fixed it a day later - we paid).

 

The landlord got in contact the next day asking for our details for insurance, we had spoke to our insurance company who had said we could pass them on but she could only claim on her insurance then they would try and claim from ours.

 

Next day she phones asking us for our insurance underwriters and tells us to give her permission to speak to them as GDPR means she couldn't get anywhere. We reiterated about claiming on her insurance.

 

She then phoned back telling us that she didn't have insurance (I thought insurance was a legal requirement for landlords) and that she needed to claim on ours, again we reiterated our sides advice.

 

She said we were responsible so personally we should pay for any damage, I indicated although the leak came from our flat, we had been told it was accidental and we took care of it as soon as possible, so legally we weren't. At that point she said that she would get solicitors involved as morally we were obliged to pay.

 

My mrs and myself actually would have paid an excess if she had any, but given that it would be her guys repairing it, and her that was getting it costed etc, we're not keen on dealing with anything that doesnt involve insurance.

 

Any experts out there know the position? Does she have a claim against us? Are we responsible? Legally do landlords need insurance?

[Guest milne_afc]

I'd suggest telling her to fuck off and get some insurance. You should also inform her tenants that she isn't meeting the requirements as a landlord and they may be entitled to a refund of monies already paid.

[Guest milne_afc]

Invite the tenants into your place for a discussion on the merits of early U2.

 

Then rape them.

[Tommy]

I’d be shocked if owner didn’t have Buildings Insurance as the mortgage company would insist on them having

it in place.

Supply your Insurance details and your Insurer will deal with matter as they see fit.

[stirlingsheep]

I’d be shocked if owner didn’t have Buildings Insurance as the mortgage company would insist on them having

it in place.

Supply your Insurance details and your Insurer will deal with matter as they see fit.

We did give them to her - she contacted ours directly, and they basically told her to fuck off to her own insurer. It was at this point she admitted she had no insurance.

 

We wouldn't be surprised if she paid cash for the house, and werent sure if it were a legal requirement if you didnt have a mortgage.

 

Thanks to everyone for their advice so far. Kind of backing up what we thought. The missus isnt keen on the rape stuff but I'll try and talk her round.

[Fridge]

Agree with the above I had a similiar situation with a flat I rented out.

 

If she doesn’t have insurance tough shit. You seem to have dealt with it as would be reasonably expected.

 

I would just ignore it, suspect her getting a solicitor involved is a bluff and if she tries they would tell her to wise up as she has no case. Shite if you have to see her every morning etc but you’ve done your best so she can get to fuck.

[Fridge]

Oh and obviously Dildo on her car bonnet is a given

[stirlingsheep]

Agree with the above I had a similiar situation with a flat I rented out.

 

If she doesn’t have insurance tough shit. You seem to have dealt with it as would be reasonably expected.

 

I would just ignore it, suspect her getting a solicitor involved is a bluff and if she tries they would tell her to wise up as she has no case. Shite if you have to see her every morning etc but you’ve done your best so she can get to fuck.

Woman we have been dealing with is landlord, who lives down south, tennants are really sound and a nice family who we get on with, and feel a bit bad for them in all of this.

[Redstar]

It was your pipe that leaked so you are responsible...stop hiding behind the insurance bs...that could drag...pay for the repair and get the insurance sorted later...it’s quite unbelievable that you are willing to fall out with the tenant of your shared cottage over a few hundred pounds...get it paid chief and you might be able to repair the damage your meanness has already caused...its Xmas ffs.

[Tommy]

It was your pipe that leaked so you are responsible...stop hiding behind the insurance bs...that could drag...pay for the repair and get the insurance sorted later...it’s quite unbelievable that you are willing to fall out with the tenant of your shared cottage over a few hundred pounds...get it paid chief and you might be able to repair the damage your meanness has already caused...its Xmas ffs.

His own Insurance will pay for any third party property damage.

The fact the neighbouring property is allegedly not insured is irrelevant.

[Redstar]

His own Insurance will pay for any third party property damage.

The fact the neighbouring property is allegedly not insured is irrelevant.

He’s a chancer Tommy...my guess would be that he’s probably not insured himself and is now trying to wriggle out of paying...just a hunch.

[Fridge]

It was your pipe that leaked so you are responsible...stop hiding behind the insurance bs...that could drag...pay for the repair and get the insurance sorted later...it’s quite unbelievable that you are willing to fall out with the tenant of your shared cottage over a few hundred pounds...get it paid chief and you might be able to repair the damage your meanness has already caused...its Xmas ffs.

It’s not as easy as that in my experience. I don’t believe he is legally obliged to fix it, but of course morally you don’t want to be a dick.

 

You could agree to get three independent quotes or something and come to a settlement of splitting or paying the costs.

 

But in this case it is not a single Mum with no cash at Christmas. The landlord is technically running a business and making profit so if they have decided to not insure their assets tough shit.

 

It’s a shame for the tenants but that is for them to take up with the landlord.

[stirlingsheep]

He’s a chancer Tommy...my guess would be that he’s probably not insured himself and is now trying to wriggle out of paying...just a hunch.

Our insurance sent the emergency plumber when we were told about the leak. If the landlord had been arsed to even get a quote and just ask we'd have paid towards it. The fact she pretended she had insurance to begin with, took our policy number and then phoned ours when she didnt have her own kind of rubbed us the wrong way.

 

If it had been some sort of idiocy like letting the bath overflow, we'd be paying, no questions asked.

[Tommy]

Our insurance sent the emergency plumber when we were told about the leak. If the landlord had been arsed to even get a quote and just ask we'd have paid towards it. The fact she pretended she had insurance to begin with, took our policy number and then phoned ours when she didnt have her own kind of rubbed us the wrong way.

If it had been some sort of idiocy like letting the bath overflow, we'd be paying, no questions asked.

 

Pay nothing, your Insurer will deal with any third party claim and will ascertain if the landlord does or doesn’t have Insurance.

[Redstar]

Our insurance sent the emergency plumber when we were told about the leak. If the landlord had been arsed to even get a quote and just ask we'd have paid towards it. The fact she pretended she had insurance to begin with, took our policy number and then phoned ours when she didnt have her own kind of rubbed us the wrong way.

If it had been some sort of idiocy like letting the bath overflow, we'd be paying, no questions asked.

I am playing devils dickhead here...to an extent...and mainly due to your location will continue...it could be argued that you had let your water works fall into a state of disrepair...ooo er madam...which is an idiocy...of sorts.

[Ohjimmyjimmy]

Christmas card through the door telling her to go fuck herself.

 

Merry Christmas!

[stirlingsheep]

Slide a note under her door stating that you have received advice from the boys on the Hat and that we are all fairly clued up on such matters.

 

You could even let her read this thread.

 

 

 

edit.. maybe better not let her read this thread

Best place to come for advice this. Om fatherhood, relationships, capris. No place like it

[Fridge]

Christmas card through the door telling her to go fuck herself.

 

Merry Christmas!

Surely a x at the end you callous bastard.

[BrianFaePerth]

Flats LOL

[Henry]

^^

 

Brian should be able to help given his recent experience of renting property

[Bluto10]

 

 

 

given your extensive experience of squatting Bri, what would you advise?

[Chewie37]

[Chewie37]

If your landlord doesn't have any insurance, I'm pretty sure they won't have registered as a landlord either which means in any legal action they'd be fucked. The scotgov page explains a lot

 

https://www.mygov.scot/renting-your-property-out/your-responsibilities/

[1983]

Only buildings insurance is legally required for landlords. Contents insurance is not, which most decoration would be claimed via.

[Ke1t]

Why the fuck would she not have insurance? That's basically making the decision to pay out of pocket for any damages in order to save cash in the hopes there's never anything goes wrong.  That's a gamble you'll always lose. 

 

Being the great guy I am I'd probably cut her a check to fix any damage, but if she came the cunt or gave me attitude I'd make sure she never saw a penny.  In fact I'd probably hire a lawyer to find out if she has met all the legal requirements to even rent the property. If she's not even doing basics like insuring the property you have to wonder what maintenance she's falling down on inna. That could impact your property if the place is a fire hazard. 

[Guest milne_afc]

Sounds like it might be worth considering having this cunt killed.

[Bluto10]

Rape her then kill them

Or kill them then rape them

[Fridge]

It’s a dilemma, get your solicitor to send a letter saying you are willing to be amicable, accepting some responsibility but don’t want the piss being ripped out of you and need to do it by the book

to legally cover your own back.

 

Or rape, murder and torch the whole place down.

 

We could maybe have a Hat vote.

[1983]

Why the fuck would she not have insurance? That's basically making the decision to pay out of pocket for any damages in order to save cash in the hopes there's never anything goes wrong. That's a gamble you'll always lose.

 

Being the great guy I am I'd probably cut her a check to fix any damage, but if she came the cunt or gave me attitude I'd make sure she never saw a penny. In fact I'd probably hire a lawyer to find out if she has met all the legal requirements to even rent the property. If she's not even doing basics like insuring the property you have to wonder what maintenance she's falling down on inna. That could impact your property if the place is a fire hazard.

Not many landlords will insure the contents of a house. She’ll maybe have a nominal amount of contents for anything that she has left, like furnishings etc. Certainly not a legal requirement.

 

Would you ensure someone else’s house?

 

I suspect she’s got a straight forward civil case for damages if you’ve caused damage to her belongings and you’ve accepted responsibility.

[The Boofon]

This forum is usually the best place to find it...

 

So a few days ago I returned home atbthe same time as the downstairs neighbours (cottage flat - no shared area, they rent from someone, we own). 5 mins later, she is knocking on my door telling me water is coming in her kitchen roof.

 

We phoned our home insurance emergency line, who sent a plumber within 3 hours who isolated it (and came back and full fixed it a day later - we paid).

 

The landlord got in contact the next day asking for our details for insurance, we had spoke to our insurance company who had said we could pass them on but she could only claim on her insurance then they would try and claim from ours.

 

Next day she phones asking us for our insurance underwriters and tells us to give her permission to speak to them as GDPR means she couldn't get anywhere. We reiterated about claiming on her insurance.

 

She then phoned back telling us that she didn't have insurance (I thought insurance was a legal requirement for landlords) and that she needed to claim on ours, again we reiterated our sides advice.

 

She said we were responsible so personally we should pay for any damage, I indicated although the leak came from our flat, we had been told it was accidental and we took care of it as soon as possible, so legally we weren't. At that point she said that she would get solicitors involved as morally we were obliged to pay.

 

My mrs and myself actually would have paid an excess if she had any, but given that it would be her guys repairing it, and her that was getting it costed etc, we're not keen on dealing with anything that doesnt involve insurance.

 

Any experts out there know the position? Does she have a claim against us? Are we responsible? Legally do landlords need insurance?

 

I’ve got landlord insurance purely for buildings cover on the house I rent out. Contents is tenant responsibility.

 

Couldn’t tell you if you need insurance for a mortgage or not. Easy enough to take out then cancel to get round that.

 

A ceiling counts as building.

 

Your insurance company should be paying for the damage caused regardless of their insurance state. They should also be getting the tradesmen to fix and not your neighbour.

 

I wouldn’t be chasing it though. Let the neighbour do the donkey work but your insurance company is ripping the piss saying they claim then claim against them.