What kind of Insurance cover do i need if i were to flood my downstairs neighbour and damage their ceiling? - HotUKDeals
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What kind of Insurance cover do i need if i were to flood my downstairs neighbour and damage their ceiling?

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Hi, just wondering... Do i need Contents or home insurance incase that ever happens? I only have Building Insurance! Read More
makershaker Avatar
8y, 1m agoPosted 8 years, 1 month ago
Hi, just wondering...

Do i need Contents or home insurance incase that ever happens?

I only have Building Insurance!
makershaker Avatar
8y, 1m agoPosted 8 years, 1 month ago
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Comments/page:
#1
Are u planning on it the??:?

Think u'd need both..buildings for the floor etc and contents for all ur belongings.....I could be wrong tho:thumbsup:
#2
Building is probably the correct insurance for this particular scenario but as usual the definition is in the policy
#3
No but it just worries me all the time.
#4
I dont know anything about my buildings insurance, i live in an ex coucil house and i pay them a factor fee that includes building insurance although i once closed my window too hard and broke the glass, when i phoned them up though they said it doesnt cover me for that?

So i'm not too sure what the hell it does cover me for?
#5
I did that once when I lived in a flat. I thought I could fix the toilet cistern myself :) The guy downstairs was from the Middle East. He came to tell me that water was coming out of his bathroom light fitting, and that was it! Maybe this happened all the time in his country:)
#6
Structural damage would be covered by your building insurance. Any additional items, carpets etc would be covered by contents so you would need both types of cover as normal.
#7
Accidental damage is generally extra and not included on a policy unless you ask for it. A burst pipe bringing down a ceiling falls under this heading alongside your broken window,so I would check the level of cover if I were you.
#8
well i was flooded by the idiot upstairs from me over 2 years ago and ive never bothered to have my ceiling plastered even though it has a couple of cracks on it. Would i be too late to claim?
#9
I think so, you would have great difficulty in proving it was their fault after all this time.
banned#10
059;5523210
Accidental damage is generally extra and not included on a policy unless you ask for it. A burst pipe bringing down a ceiling falls under this heading alongside your broken window,so I would check the level of cover if I were you.

incorrect imho

a burst pipe comes under normal buildings insurance unless its is down to bad workmanship.

if you put a nail etc through a pipe, then that would come under accidental buildings cover
#11
csiman
incorrect imho

a burst pipe comes under normal buildings insurance unless its is down to bad workmanship.

if you put a nail etc through a pipe, then that would come under accidental buildings cover


The actual burst may be covered by the normal cover, but the damage to the ceiling that results is not, they consider that accidental as a result of the failure. Been there seen it amd done it.
They companies are slimy remeber, looking for every which way to get out of paying.
banned#12
059;5523541
The actual burst may be covered by the normal cover, but the damage to the ceiling that results is not, they consider that accidental as a result of the failure. Been there seen it amd done it.
They companies are slimy remeber, looking for every which way to get out of paying.

been there too. mains pipe burst and flooded kitchen ceiling.

only had basic cover yet they paid £2K for new ceiling / walls (and kitchen but thats another story ;-))
banned#14
Try here, I think you need both. But I would definitely get legal cover just in case. also speak to your insurance company, they will be able to advise you

http://property.timesonline.co.uk/tol/life_and_style/property/article1298094.ece
#15
Just out of interest, a few peeps have said that content insurance will help replace the cost of the damaged items in the affected room (ie the neighbours room).

But surely if your talking about someone elses property it would be their own contents insurance that covers that right?

I mean your insurance company insure YOUR contents, not your neighbours... unless theres some sort of special circumstances for flats?
#16
angelkelly;5525271
Just out of interest, a few peeps have said that content insurance will help replace the cost of the damaged items in the affected room (ie the neighbours room).

But surely if your talking about someone elses property it would be their own contents insurance that covers that right?

I mean your insurance company insure YOUR contents, not your neighbours... unless theres some sort of special circumstances for flats?

exactly its not down to you to have insurance in case you flood your neighbours,their insurance will cover them and if you are held negligent they will attempt to recover their costs.As it is difficult to prove negligence most companies wouldn't even attempt to recover unless they had a strong chance of reclaiming their costs.
#17
op check your cover most policys include public liability insurance which if you are found negligent for anything would cover you.

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