10:44 AM, 9th March 2021, About 6 months ago 13
I own a first-floor leasehold flat in a converted detached building containing 2 x 2-bed s/c flats. The freeholder owns and lets the ground floor flat and is responsible for the Buildings Insurance for which I am obliged to pay 50%
For the past 20 years, I have had issues with the Insurance (the first 13 years the building was insured as a 4 bedroom detached house) – The building was originally built as a shop with accommodation on the first floor.
Other than the freeholders own assurances that the Building is correctly Insured, the policies I have been able to see do not mention Freehold/Landlord Insurance
Can anyone tell me if there is a specific type of Insurance the freeholder should provide as I am concerned that the policy has not been valid?
The policy appears to be a standard domestic residential policy.
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