Mrs A

Registered with Property118.com
Monday 18th September 2017

Trading Status
Joint

Providing essential rental accommodation since
2008

Insures properties through a broker recommended by Property118
No


Latest Comments

Total Number of Property118 Comments: 8

Mrs A

10:52 AM, 24th October 2018
About 3 weeks ago

Please help with confusion over Building Regs and HMOs

I can only second what Derek T has said. Go straight to your local authority and have them stipulate the work that needs to be done. Each council will have their own standards, so if you have properties in different boroughs you should go with the advice of the individual councils. I had a positive experience with my council going through this process. They allowed around 6 months to make all the changes to convert to HMO and were helpful along the way.... Read More

Mrs A

9:38 AM, 29th September 2018
About 2 months ago

Mrs A

22:01 PM, 3rd September 2018
About 2 months ago

HMO tenant barricaded room and started £80,000 fire

Congratulations Ian on getting the result you needed!... Read More

Mrs A

8:55 AM, 24th August 2018
About 3 months ago

HMO tenant barricaded room and started £80,000 fire

Reply to the comment left by Ian Simpson at 24/08/2018 - 03:29
The Insurance Reform Act 2015
https://blog.lvbroker.co.uk/2015/04/08/insurance-act-reforms-2015-what-it-means-to-you/
https://blog.lvbroker.co.uk/2016/05/10/insurance-act-not-long-now/
http://www.legislation.gov.uk/ukpga/2015/4/contents/enacted
Your insurer will understand that any delay on their side potentially increases their liability towards your claim for rental income.
I believe that you should act as if you were uninsured to minimize the claim overall, so if you can possibly afford to go ahead with fire alarms, etc, you should, in order to get back to business asap. You can continue to discuss their liability for as long as it takes alongside this process.... Read More

Mrs A

13:40 PM, 20th August 2018
About 3 months ago

HMO tenant barricaded room and started £80,000 fire

Hi Ian,
sorry that you find yourself in such a horrible situation.
I think that it is very unlikely that LV will be able to entirely deny your claim. There was an Insurance Act passed last year that specifically seeks to prevent this type of claim refusal.
There isn't a huge amount of case law yet, but since the Act, the idea is that if they can show in their systems that they would have charged perhaps 10% more for bedsits over HMO, then they get to pay 10% less of your claim, not reject it outright.
Also, if there is any way of interpreting their wording or questionnaires in multiple ways, then the benefit of the doubt should go to the consumer.
My local council describes bedsits as including cooking facilities in each room and then further divides HMO into Category A and B. One is for student-type lets where a group of individuals will enter into a single AST, and the other is for single room lets where one property will have multiple ASTs for multiple individuals.
LV need to be clear if they want to differentiate between these property types.
Good luck.... Read More