I am doing a refurb and there was a water leaking from my flat into the neighbours below. This was due the boiler connected to a blocked drainage pipe which was flooded due to heavy rain. The rain water came through the boiler pipe into the flat and it leaked in my neighbours bedroom. As a result, their bed got wet and it needs to be replaced as well as the walls are wet and some work may be required.
I do not have a home insurance but the landlord from downstairs said he has an insurance.
My question is if his insurance will cover the damages caused by the water? Do I need to get home insurance and try to claim it or just deal with this situation without involving the insurance companies?
Hi babeshok, You are skating on very thin ice. Suggest you pay for remedial/repair works to your downstairs neighbours. You could try asking the landlord to try claiming but there is always the possibility that the insurance company will come after you for the costs involved. If you try arranging your own insurance and making a claim you could be found out and be charged with trying to defraud the insurance company. Pay up and then get some insurance cover for what you are doing. Regards S
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