Water damage in apartment blockMake Text Bigger
As the MD of a right-to-manage company, I’ve had the misfortune of being caught in the crossfire of a water damage incident (ie water has leaked from one flat into another causing significant damage to the ceiling) – I’m not prepared to use the buildings insurance to make a claim since the value of the claim is too small to justify and would push up our premium next time round.
I believe the offending flat owner should foot the bill for this since I believe the damage is due to disrepair rather than an act of God for example. However this puts me in an awkward position having to arbitrate between the two flat owners.
My concern is that simply claiming insurance gives each flat owner no incentive to manage or take responsibility for any disrepair issues.
Does anyone have any advice or experience as to how this sort of incident could be handled amicably in the future. For example could individual flat owners take out their own insurance to cover their flat only ?
Any suggestions appreciated.
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