🌬 HEY EUNICE! WHO IS GOING TO PAY FOR ALL THIS STORM DAMAGE TO MY PROPERTY?! 💨
A huge thank you to Darrel Kwong at DWK Consultancy for this article, contact details for Darrel can be found below:
🙋♀️ What is covered by my Landlord's Building Insurance during a storm? ⚡
➡ Basically, the structure, to include walls, roof, and windows 🏚
➡ Most policies will not cover outside areas, such as fences, sheds, or gates unless specifically requested 🚫
➡ Insurance companies may require you to provide evidence that the roof etc, has been well maintained 🛠
🙋♂️ Do I have to repair and fix fences/gates if they are blown down?
➡ Actually, it does NOT fall under the Landlord’s Statutory Obligation (Section 11 of the Landlord and Tenant Act 1985) 🤔
➡ However, if your Tenant complained to the local council, its highly likely they would request its repaired/replaced under the 'Housing Health and Safety Rating System' (HHSRS) ⛑
➡ Full guidance here: https://lnkd.in/dXHv7zva 🔍
➡ If your property is a House of Multiple Occupation (HMO), you do have a legal duty under the HMO Management Regulations 2006, to maintain and keep in repair the outside areas 🔧🧰
🙋♂️ Can tenants make a claim against my Landlord’s Building Insurance for damage to their personal possessions?
➡ No, Tenants’ possessions are never covered under your building insurance 🤚
➡ However, if the Tenant can prove negligence i.e. the roof was in a state of disrepair, or the window did not close properly before the storm, they could make a civil claim against you as the Landlord 👩⚖️
🙋♀️ A neighbour has claimed that a roof tile or fence panel has caused damage to their car or property - can they make a claim against you?
➡ As a general rule, no ⛔
➡ If they can prove negligence i.e. the items were in a bad state of repair before the storm, they could potentially take out a civil claim against you ⚖
➡ In most cases, the advice would be for the neighbour to make a claim against their own insurance policy and let the insurance company do the investigating/chasing of how they get paid (if they believe there to be negligence by a third party) 💰
If you would like more information about your obligations as a Landlord, contact our CAVENDISH EXPERTS for the BEST ADVICE and GUIDANCE 🦹♀️🦸♂️
#cavendishexperts #estateagents #lettingagents #propertymanagement #realestate #landlords #propertyinvestment #lettings #lettingagent #lettingsagency #estateagent #housing #propertyprofessionals #estateagency #propertyportfolio #propertysourcing #landlord #tenant #propertyinvestors #propertymarket #buytolet #letting #propertynews #investinproperty #propertyinvesting Darrel Kwong Darrel Kwong www.https://dwkconsultancy.co.uk/
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Posted 18 February 2022
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