I enjoy a leasehold flat and the freeholder is supposed to be paying for the building insurance?
I don't think they own and it is written in my lease. Do I own a claim and can I sue them? I need to claim because my dishwasher leak and has tatty my laminate flooring. Thanks
your insurance company is wrong, the building insurance simply covers the price it would cost to rebuild the house if it is seriously worn out, if windows own been smahed, or the roof have had storm overexploit. i believe that furniture, white goods and furnishings entail to be covered by you - you should have taken out contents insurance
building insurance is structural, and your dishwasher isn't.
Sure you can sue, but you probable won't be able to collect.
Also, that building insurance isn't going to pay packet for your leaky dishwasher, that's been leak over time and you haven't bothered to get repaired.
Insurance is for sudden things that travel wrong. You need to fix your dishwasher, or replace it, and fix your own flooring beforehand the wood underneath rots away and you land within your neighbor's kitchen underneath.
And rot isn't covered by insurance, either - because it's a sign of NEGLECT.
Answers: Your freeholder should've told you there be a leak - so you could find it repaired.if the dishwasher is yours & you're responsible..
unless it is THEIR dishwasher - then they should've repaired it in the past it damaged your floor.
SO EITHER WAY - Yes - sue away! They should contact you of any repairs that call for to be done before it cause more damage!
You will enjoy to see the terms of your insurance cover, i doubt if it covers contents. I ponder you would need separate cover for electrical commodities and damage cause by them This comes under contents ins. which is your responsibility.