Home Insurance/legal Advice

[The Boofon]

Not many landlords will insure the contents of a house. She’ll maybe have a noi

Correct. Not worth it unless you have rented a furnished house with top quality contents in it (in which case you are an idiot)

[1983]

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.

Exactly

[stirlingsheep]

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.

The insurance companies line was your at your address, her property is at a different address, so her property isn't covered by your policy - she should be claiming on her own and then the two work it out, or so we keep being told.

 

She's an absentee landlord on about 4 houses around us, in the midlands somewhere, and her son 'manages' the properties for her up here.

 

Tbh if she had approached from the start and said, "I don't have insurance and we reckon it'll be xx amount, can you contribute?" We would likely have worked something out. But threatening with solicitors etc instead of just admitting you dont have insurance was a bit shitty, and then expecting us to just hand her whatever she wanted was taking the piss a bit.

 

Anyways, thanks for all the advice folks.

[The Boofon]

Mmmm. Not sure about that. If my house blew up and destroyed next doors house I’d be expecting my insurance to pay up for both houses.

[The Boofon]

However fuck her. Let her fight it.

[1983]

The insurance companies line was your at your address, her property is at a different address, so her property isn't covered by your policy - she should be claiming on her own and then the two work it out, or so we keep being told.

 

She's an absentee landlord on about 4 houses around us, in the midlands somewhere, and her son 'manages' the properties for her up here.

 

Tbh if she had approached from the start and said, "I don't have insurance and we reckon it'll be xx amount, can you contribute?" We would likely have worked something out. But threatening with solicitors etc instead of just admitting you dont have insurance was a bit shitty, and then expecting us to just hand her whatever she wanted was taking the piss a bit.

 

Anyways, thanks for all the advice folks.

You’ve damaged her property. Whether your insurance are willing to deal with her is not really the point, she can bring a civil claim against you for damages. Whether your insurance company are willing to get involved or not is irrelevant to the fact you’ve caused damage to someone else’s property. It’s not like car insurance where it’s illegal not to have insurance. You can bet your insurance company aren’t going to help you on this.

 

That’s my take on it.

[The Boofon]

Yip. Your insurance are taking the piss.

[Ke1t]

Just looking at some legal pish online and apparently Buildings Insurance is NOT a legal requirement.  Buildings Insurance covering structural damage, in this case presumably the ceiling, and maybe a wall and the floor? 

 

That's just mental. 

 

I can understand contents not being compulsory, but the actual structural integrity of a building is surely somewhat important.  Seems a bit loosey goosey to not enforce structural insurance, though... 

 

Live and learn, 

[1983]

Just looking at some legal pish online and apparently Buildings Insurance is NOT a legal requirement. Buildings Insurance covering structural damage, in this case presumably the ceiling, and maybe a wall and the floor?

 

That's just mental.

 

I can understand contents not being compulsory, but the actual structural integrity of a building is surely somewhat important. Seems a bit loosey goosey to not enforce structural insurance, though...

 

Live and learn,

I’m shocked you need to look somewhere else other than the hat for advice!

[Ke1t]

I’m shocked you need to look somewhere else other than the hat for advice!

 

What I'm seeing elsewhere on legal sites is actually surprisingly close to the advice being doled out by Hat experts, to be fair. 

 

The Glory Holes and Rape Act of 1983 was almost word for word what was suggested on here for dealing with cases of damage to neighbouring properties. 

[1983]

What I'm seeing elsewhere on legal sites is actually surprisingly close to the advice being doled out by Hat experts, to be fair.

 

The Glory Holes and Rape Act of 1983 was almost word for word what was suggested on here for dealing with cases of damage to neighbouring properties.

Any guidelines about dildos on bonnets?

[Fridge]

If you are straight up and are paying proper insurance then just ask her to contact your insurers. And if you are speaking to her amicably tell her to get her solicitor to fuck.

 

I would also suggest shagging her and supergluing a Dildo to her car bonnet.

[Chewie37]

You still didn't specify how the leak occurred? If you'd hooked up some weird sex machine bath and it leaked, yes you're responsible......if it's the plumbing in the flat then it's the landlords.

[Chewie37]

Jumping on his waterbed with his Stilettos on

I'd like to see pics of the landlady before deciding who's to blame........

[Poodler]

Has there been a rape down there yet?

[Redforever86]

Don’t pay her fuck all.

 

Look at the terms and conditions of your insurance. Ascertain that it includes accidental damage to 3rd party properties. If it does (which I’m sure it will) write her a polite letter stating you understand it to be the job of your insurer to pay the costs, you feel out of your depth and would rather they deal with this matter entirely and you wish no further correspondence with her with regards to this and anymore will be seen as threatening.

 

If she has 4 properties rented out she will have plenty cash, she’s just a fucking cunt trying to force you into paying out money at Christmas you might never see back. You pay insurance for a reason and it’s to avoid this being a problem for you.

 

Then rape and murder her and hang her body in full view at the lounge window of her flat with a dildo super glued to her head so the property value drops and her son gets a crap in inheritance.

[1903Fitba]

Most worrying thing for me is you didn’t know how to turn your own water off/isolate a leak and had to wait 3 hours for someone to come out.

[Poodler]

^real manny comment there!

[The Boofon]

Haha. Cracker.

[1903Fitba]

^real manny comment there!

Away and greet about your limo you bent bastard.

[Tommy]

Away and greet about your limo you bent bastard.

 

I think ‘bent bastard’ wins the most inappropriate comment of the year award.

 

Well Done.

[Poodler]

Away and greet about your limo you bent bastard.

Haha, +1

[Tommy]

Steady on old fella, been far worse than that. Are you parklife’s Dad?

Do you honestly think i’d admit to that.

[1903Fitba]

Do you honestly think i’d admit to that.

Would you rather your daughter marry a hun or Parklife be your son?

[Tommy]

Would you rather your daughter marry a hun or Parklife be your son?

No.

[King Street Loon]

Most worrying thing for me is you didn’t know how to turn your own water off/isolate a leak and had to wait 3 hours for someone to come out.

Being a time served Plumber myself this was my initial thought too.

[Don Fonte]

Correct. Not worth it unless you have rented a furnished house with top quality contents in it (in which case you are an idiot)

Do you rent a house Boof or do you own any property?

[The Boofon]

Do you rent a house Boof or do you own any property?

Own 3. Rent one out. Keep the other empty to fuck the homeless. Bloody spongers.

[Don Fonte]

Own 3. Rent one out. Keep the other empty to fuck the homeless. Bloody spongers.

Hahahaha

[SheepieBaaBaa]

It's pretty simple.

 

If the leak was a result of your negligence and was foreseeable, you are liable.

 

If shit just happened, it is an unfortunate event and you have no liability.

 

If she wants to go to a solicitor and waste her time and money, then let her, the solicitor will simply tell her the same thing.