Freeholder has not provided full EC coverage?

Freeholder has not provided full EC coverage?

0:06 AM, 24th July 2024, About 2 months ago 5

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Hi, What right does a landlord have when the freeholder of a block of flats has failed to include ‘accommodation cover if flat becomes uninhabitable’?

I am the long leaseholder of a flat in a block of 37 flats and the freeholder has omitted this coverage.

Do I have any rights to make the freeholder include this cover?

Who can I turn to in order to enforce it?

Thank you,

Jean


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Graham Bowcock

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9:46 AM, 24th July 2024, About 2 months ago

First question - what does your lease say? Is the freeholder obliged to provide this cover? If not, it's down to you.

On the blocks we manage I don't believe we ever provide cover to indemnify leasheolders who have let their flats for loss of rent. This is a matter for the leaseholder/landlord to secuer cover for.

Ray Davison

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13:36 PM, 24th July 2024, About 2 months ago

Reply to the comment left by Graham Bowcock at 24/07/2024 - 09:46
Is it not usual (Almost universal) for residential buildings insurance to include alternative accommodation for occupiers in this situation? It's not strictly loss of rent cover although i suppose it could be equated to be.

Graham Bowcock

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13:40 PM, 24th July 2024, About 2 months ago

Reply to the comment left by Ray Davison at 24/07/2024 - 13:36
I don't disagree with you, but the key will be what his lease requires the freeholder to provide.

Contango

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14:40 PM, 24th July 2024, About 2 months ago

Insurers such as Zurich include as standard on their blocks of flats cover 20% of the sum insured for AA/LOR (thats alternative accommodation or loss of rent).
There are lower grade "el cheapo" insurers who dont include this cover as standard.

blair

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8:38 AM, 27th July 2024, About 2 months ago

this is a issue The freholder is the policy holder thus does the loss of rent merely mean the loss of his rent which is usually just the fround rent income.

However on a recent incident with WCC although my flat was not the cause of the water damage I had to male a claim in my name on the policy for damage to my flat -and meet the excess Sedgwicks are refusing to pay my loss of rent The counil said to pusue a liability claim against them ( it was a council occupied flat that caused the escape of water)

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