Jason McClean

Registered with Property118.com
Wednesday 11th June 2014


Trading Status

Providing essential rental accommodation since

Number of rental properties owned
6 - 10

Insures properties through a broker recommended by Property118

Rating of Broker (1 - 5 where 5 is the highest)

Review of Broker
Price and service - I must disclose, I supply the insurance scheme though through www.thehomeinsurer.co.uk

Latest Comments

Total Number of Property118 Comments: 129

Jason McClean

10:34 AM, 6th September 2019
About 6 months ago

Block insurance leak excess £10,000!

Hi acctsol

Yes, what you are looking for is the ability to claim the £10k excess from the upstairs property. Sounds fair, however, placing liability on them will not be easy unless they simply accept it.

You will need to take a personal legal action against them to reclaim the excess I suspect.... Read More

Jason McClean

12:44 PM, 5th September 2019
About 6 months ago

Block insurance leak excess £10,000!

Reply to the comment left by acctsol at 05/09/2019 - 12:26
Hi acctsol

What you describe does not sound easy to me and has no certainty on out-come.

The problem is, the person upstairs does not insure your property. So their insurance will not pay out to cover it unless liability can be determined without any doubt and a claim made on the public liability element. That is likely to be a lengthy and difficult process; because the first answer will be the upstairs owner has no liability to cover the downstairs flat. Not easy, but if you can prove liability, then you may get it paid out, but I would suspect it will be months rather than weeks before it is resolved.

You can try in the courts, but if the upstairs insurer is saying no liability, why would a judge say anything different? It will be the first line of defence for the upstairs property. And there are costs involved in courts...

Hope this helps! Best thing is to have your own insurance and claim on that. £10k excess tells me it is a regular occurrence and insurers are not keen to touch it without a big excess to reduce losses. Put pressure on the freeholder to shop around for better block of flats insurance would be my next move.... Read More

Jason McClean

16:37 PM, 4th September 2019
About 6 months ago

Block insurance leak excess £10,000!

Reply to the comment left by Michael Barnes at 04/09/2019 - 15:38
Hi Michael

As far as I know:

1: no, not without bespoke underwriting and large expense.

2: not easily or with any certainty.... Read More

Jason McClean

12:25 PM, 4th September 2019
About 6 months ago

Block insurance leak excess £10,000!

Hi Richard
1, There is no way to protect against the excess that I know about. This is a condition of the insurance purchased by the freeholder and it is understandable given prior claims.
2, Recovering costs from another tenant will be difficult. You can only insure your own property. Whoever caused the leak does not insure your property, only you can do that. You may wish to pursue a liability case against another tenant, but that could be costly and the result is not assured. Possibly a legal expenses policy may assist, but only if they feel they have a better than 50% chance of winning.... Read More

Jason McClean

15:09 PM, 26th July 2019
About 7 months ago

Landlords Insurance and empty properties?

Hi G

You need Unoccupied/Renovation Insurance during the period you are tidying and selling the property.

We can offer full cover for everything, including escape of water, malicious damage and all the normal perils. The policies are underwritten by either Legal and General or Channel at Lloyds.

We can offer lower levels of cover, but don't see the point as the prices are low to begin with and come with a pro-rata rebate less a £35 fee once cancelled.

A few things you need to comply with:
* You must visit the property every 7 or 14 days
* Normally you need to drain the water tank or keeping the central heating on
* Any renovations are normally excluded and covered by your contractor's all-risk insurance. We can offer full works insurance as well, but normally this is only on major renovations.

These are super flexible policies - even if you change your mind and rent again, they can morph into landlord insurance.

Happy to help and supply you a quote, a lot of our policies cost less than £200 and with the pro-rata rebate, you get a fair chunk back if you sell within 3-9 months.

If we can assist, do call Jason on 01832-735388 and mention this article on Property 118 - we contribute to 118's good work for every reader that buys from us.


Jason... Read More