Water damage liabilityMake Text Bigger
The bathroom in our downstairs flat has sustained water damage due to a leak from the owner occupied flat above. Her insurer said we must rectify the damage through our insurer as their client had caused the damage accidentally and had her leak mended when we complained to her. So we went ahead (at age 80 & 76 my husband and I are losing the energy to fight insurance companies!), obtained necessary quotes, submitted them to our insurer, via our broker, and the damage was duly rectified. BUT we are left with an excess of £250 to pay out on top of (presumably) our insurance premiums going up as we are no longer ‘no claim’. Apparently this is legally as it should be! Is it justice though – or I hesitate to say, is ‘the Law an Ass’?
Incidentally our broker has raised the issue with the insurer and we await that outcome. Also we haven’t
yet approached the owner of the flat above who in fact may do the decent thing and pay the excess
I’m just questioning the legal aspect.
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