Thunderstorm damage demand by leaseholder?

Thunderstorm damage demand by leaseholder?

9:52 AM, 5th June 2018, About 4 years ago 3

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With the last weekend’s thunderstorms and rain, water leaked into the 1st floor flat and I am owner occupier below on the ground floor.

The rain water didn’t effect us, but now and then gutters do not cope with the rain. it happened last year once as well.

A leaseholder is demanding payment for a water damaged item from me personally when we are going for ceiling repairs etc. covered by the building insurance claim. Should he not claim for other items on his personal contents insurance?

Instead he is forcing the argument that I have failed to maintain the property which is not true, because even last year we had someone come straight away to attend and this year which he accepts was done.

How can be best handle him?

His claim is for £290, but its wrong to accept what is not our fault.

Thank you for any advice



Jason McClean - The Home Insurer View Profile

9:59 AM, 5th June 2018, About 4 years ago

Hi Sat

You cannot insure the tenant's contents as they do not belong to you. He needs to make a claim on his own insurance.

The maintenance issue is between you and the tenant, that is a much more subjective issue - not something I can help with I'm afraid.



Satvir Sidhu

12:33 PM, 5th June 2018, About 4 years ago

Thank you Jason.
We have tried to explain to him that we can not ensure his personal belongings.
We have a maintenance programme to have the gutters cleared 2/3 times a year and he knows it.
Now that we have roofing companies come to provide quote
if any repair required on the roof or gutters and in their opinion none at the moment but for any preventative solution everyone's advice is different so confused which one to implement.

Luke P

14:06 PM, 5th June 2018, About 4 years ago

If you have explained, that is as much as you can do. Now just ignore them.

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