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Home Insurance/legal Advice


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#1 OFFLINE   stirlingsheep

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Posted 22 December 2018 - 11:16 AM

This forum is usually the best place to find it...

So a few days ago I returned home atbthe same time as the downstairs neighbours (cottage flat - no shared area, they rent from someone, we own). 5 mins later, she is knocking on my door telling me water is coming in her kitchen roof.

We phoned our home insurance emergency line, who sent a plumber within 3 hours who isolated it (and came back and full fixed it a day later - we paid).

The landlord got in contact the next day asking for our details for insurance, we had spoke to our insurance company who had said we could pass them on but she could only claim on her insurance then they would try and claim from ours.

Next day she phones asking us for our insurance underwriters and tells us to give her permission to speak to them as GDPR means she couldn't get anywhere. We reiterated about claiming on her insurance.

She then phoned back telling us that she didn't have insurance (I thought insurance was a legal requirement for landlords) and that she needed to claim on ours, again we reiterated our sides advice.

She said we were responsible so personally we should pay for any damage, I indicated although the leak came from our flat, we had been told it was accidental and we took care of it as soon as possible, so legally we weren't. At that point she said that she would get solicitors involved as morally we were obliged to pay.

My mrs and myself actually would have paid an excess if she had any, but given that it would be her guys repairing it, and her that was getting it costed etc, we're not keen on dealing with anything that doesnt involve insurance.

Any experts out there know the position? Does she have a claim against us? Are we responsible? Legally do landlords need insurance?
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#2 ONLINE   Bad_Mobby

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Posted 22 December 2018 - 11:25 AM

The neighbour should be using her insurance to pay for the damage then be reimbursed by your landlords insurance/pocket

Your landlord is required to have insurance

Is my experience.
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#3 OFFLINE   4n4LprObE666

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Posted 22 December 2018 - 11:25 AM

Yes, landlords need specialist insurance. It's a legal requirement. She's fooked, hence the panic and trying to get you to cough up. Ignore.

Edited by 4n4LprObE666, 22 December 2018 - 11:25 AM.

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#4 OFFLINE   Sooper-hanz

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Posted 22 December 2018 - 11:28 AM

telling me water is coming in her kitchen roof.


If she’s downstairs she won’t have a roof .

Sounds like a scam imo.
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#5 ONLINE   milne_afc

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Posted 22 December 2018 - 11:28 AM

I'd suggest telling her to fuck off and get some insurance. You should also inform her tenants that she isn't meeting the requirements as a landlord and they may be entitled to a refund of monies already paid.
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#6 ONLINE   Bad_Mobby

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Posted 22 December 2018 - 11:31 AM

Rape her
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#7 ONLINE   milne_afc

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Posted 22 December 2018 - 11:32 AM

Invite the tenants into your place for a discussion on the merits of early U2.

Then rape them.
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#8 OFFLINE   Tommy

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Posted 22 December 2018 - 11:35 AM

I’d be shocked if owner didn’t have Buildings Insurance as the mortgage company would insist on them having
it in place.
Supply your Insurance details and your Insurer will deal with matter as they see fit.
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#9 ONLINE   Bad_Mobby

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Posted 22 December 2018 - 11:38 AM

Invite the tenants into your place for a discussion on the merits of early U2.

Then rape them.


https://m.youtube.co...h?v=kIdFzP0TJxc
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#10 OFFLINE   stirlingsheep

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Posted 22 December 2018 - 11:41 AM

I’d be shocked if owner didn’t have Buildings Insurance as the mortgage company would insist on them having
it in place.
Supply your Insurance details and your Insurer will deal with matter as they see fit.


We did give them to her - she contacted ours directly, and they basically told her to fuck off to her own insurer. It was at this point she admitted she had no insurance.

We wouldn't be surprised if she paid cash for the house, and werent sure if it were a legal requirement if you didnt have a mortgage.

Thanks to everyone for their advice so far. Kind of backing up what we thought. The missus isnt keen on the rape stuff but I'll try and talk her round.
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#11 OFFLINE   Fridge

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Posted 22 December 2018 - 11:44 AM

Agree with the above I had a similiar situation with a flat I rented out.

If she doesn’t have insurance tough shit. You seem to have dealt with it as would be reasonably expected.

I would just ignore it, suspect her getting a solicitor involved is a bluff and if she tries they would tell her to wise up as she has no case. Shite if you have to see her every morning etc but you’ve done your best so she can get to fuck.
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#12 OFFLINE   Fridge

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Posted 22 December 2018 - 11:45 AM

Oh and obviously Dildo on her car bonnet is a given
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#13 OFFLINE   stirlingsheep

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Posted 22 December 2018 - 11:48 AM

Agree with the above I had a similiar situation with a flat I rented out.

If she doesn’t have insurance tough shit. You seem to have dealt with it as would be reasonably expected.

I would just ignore it, suspect her getting a solicitor involved is a bluff and if she tries they would tell her to wise up as she has no case. Shite if you have to see her every morning etc but you’ve done your best so she can get to fuck.


Woman we have been dealing with is landlord, who lives down south, tennants are really sound and a nice family who we get on with, and feel a bit bad for them in all of this.
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#14 OFFLINE   Redstar

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Posted 22 December 2018 - 11:51 AM

It was your pipe that leaked so you are responsible...stop hiding behind the insurance bs...that could drag...pay for the repair and get the insurance sorted later...it’s quite unbelievable that you are willing to fall out with the tenant of your shared cottage over a few hundred pounds...get it paid chief and you might be able to repair the damage your meanness has already caused...its Xmas ffs.
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#15 OFFLINE   Tommy

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Posted 22 December 2018 - 11:54 AM

It was your pipe that leaked so you are responsible...stop hiding behind the insurance bs...that could drag...pay for the repair and get the insurance sorted later...it’s quite unbelievable that you are willing to fall out with the tenant of your shared cottage over a few hundred pounds...get it paid chief and you might be able to repair the damage your meanness has already caused...its Xmas ffs.


His own Insurance will pay for any third party property damage.
The fact the neighbouring property is allegedly not insured is irrelevant.
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#16 OFFLINE   Sooper-hanz

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Posted 22 December 2018 - 11:56 AM

It was your pipe that leaked so you are responsible...stop hiding behind the insurance bs...that could drag...pay for the repair and get the insurance sorted later...it’s quite unbelievable that you are willing to fall out with the tenant of your shared cottage over a few hundred pounds...get it paid chief and you might be able to repair the damage your meanness has already caused...its Xmas ffs.

 

Why the fuck should Stirlingsheep pay her AND pay his insurance as well every month?  Thats what insurance is for. Tell her to get tae fuck 


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#17 OFFLINE   Redstar

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Posted 22 December 2018 - 11:57 AM

His own Insurance will pay for any third party property damage.
The fact the neighbouring property is allegedly not insured is irrelevant.

He’s a chancer Tommy...my guess would be that he’s probably not insured himself and is now trying to wriggle out of paying...just a hunch.
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#18 OFFLINE   Fridge

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Posted 22 December 2018 - 12:00 PM

It was your pipe that leaked so you are responsible...stop hiding behind the insurance bs...that could drag...pay for the repair and get the insurance sorted later...it’s quite unbelievable that you are willing to fall out with the tenant of your shared cottage over a few hundred pounds...get it paid chief and you might be able to repair the damage your meanness has already caused...its Xmas ffs.


It’s not as easy as that in my experience. I don’t believe he is legally obliged to fix it, but of course morally you don’t want to be a dick.

You could agree to get three independent quotes or something and come to a settlement of splitting or paying the costs.

But in this case it is not a single Mum with no cash at Christmas. The landlord is technically running a business and making profit so if they have decided to not insure their assets tough shit.

It’s a shame for the tenants but that is for them to take up with the landlord.
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#19 OFFLINE   stirlingsheep

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Posted 22 December 2018 - 12:03 PM

He’s a chancer Tommy...my guess would be that he’s probably not insured himself and is now trying to wriggle out of paying...just a hunch.


Our insurance sent the emergency plumber when we were told about the leak. If the landlord had been arsed to even get a quote and just ask we'd have paid towards it. The fact she pretended she had insurance to begin with, took our policy number and then phoned ours when she didnt have her own kind of rubbed us the wrong way.

If it had been some sort of idiocy like letting the bath overflow, we'd be paying, no questions asked.
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#20 OFFLINE   Tommy

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Posted 22 December 2018 - 12:07 PM

Our insurance sent the emergency plumber when we were told about the leak. If the landlord had been arsed to even get a quote and just ask we'd have paid towards it. The fact she pretended she had insurance to begin with, took our policy number and then phoned ours when she didnt have her own kind of rubbed us the wrong way.
If it had been some sort of idiocy like letting the bath overflow, we'd be paying, no questions asked.



Pay nothing, your Insurer will deal with any third party claim and will ascertain if the landlord does or doesn’t have Insurance.
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#21 OFFLINE   Sooper-hanz

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Posted 22 December 2018 - 12:08 PM

Our insurance sent the emergency plumber when we were told about the leak. If the landlord had been arsed to even get a quote and just ask we'd have paid towards it. The fact she pretended she had insurance to begin with, took our policy number and then phoned ours when she didnt have her own kind of rubbed us the wrong way.

If it had been some sort of idiocy like letting the bath overflow, we'd be paying, no questions asked.

 

That's what would wind me up and end any kind of forced friendship with the cunt. It's a situation of her own making and if I were you stirlingsheep Id be expecting an apology AND a nice Xmas hamper .*

 

*the hamper should include some quality beers and wines, some nice ham, cheeses,some decent potato crisps and dark chocolate.


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#22 OFFLINE   Redstar

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Posted 22 December 2018 - 12:09 PM

Our insurance sent the emergency plumber when we were told about the leak. If the landlord had been arsed to even get a quote and just ask we'd have paid towards it. The fact she pretended she had insurance to begin with, took our policy number and then phoned ours when she didnt have her own kind of rubbed us the wrong way.
If it had been some sort of idiocy like letting the bath overflow, we'd be paying, no questions asked.

I am playing devils dickhead here...to an extent...and mainly due to your location will continue...it could be argued that you had let your water works fall into a state of disrepair...ooo er madam...which is an idiocy...of sorts.
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#23 ONLINE   Bad_Mobby

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Posted 22 December 2018 - 12:11 PM

Burn the place down

That’ll learn her
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#24 OFFLINE   Sooper-hanz

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Posted 22 December 2018 - 12:13 PM

Slide a note under her door stating that you have received advice from the boys on the Hat and that we are all fairly clued up on such matters. 

 

You could even let her read this thread.

 

 

 

edit.. maybe better not let her read this thread  :hysterical:


Edited by Sooper-hanz, 22 December 2018 - 12:13 PM.

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#25 OFFLINE   Ohjimmyjimmy

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Posted 22 December 2018 - 12:22 PM

Christmas card through the door telling her to go fuck herself.

Merry Christmas!
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#26 OFFLINE   stirlingsheep

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Posted 22 December 2018 - 12:22 PM

Slide a note under her door stating that you have received advice from the boys on the Hat and that we are all fairly clued up on such matters.

You could even let her read this thread.



edit.. maybe better not let her read this thread :hysterical:


Best place to come for advice this. Om fatherhood, relationships, capris. No place like it
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#27 OFFLINE   Fridge

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Posted 22 December 2018 - 12:38 PM

Christmas card through the door telling her to go fuck herself.

Merry Christmas!


Surely a x at the end you callous bastard.
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#28 ONLINE   Captain Caveman

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Posted 22 December 2018 - 12:57 PM

You’ve done your but and your own insurance should have legal cover. Tell her to drift
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#29 OFFLINE   Sooper-hanz

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Posted 22 December 2018 - 01:01 PM

Best place to come for advice this. Om fatherhood, relationships, capris. No place like it

 

:hysterical:  Very true. 


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#30 OFFLINE   Sooper-hanz

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Posted 22 December 2018 - 01:02 PM

Ask yourself ' What would Tup do?'  and do that. 


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