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FloodedFlat

One of our members used our 'questions@' service to seek advice on insuring his leasehold flat in case, for example, there was a leak in the flat above.

Read on to see the advice given by Steve Cox of insurers Boswells... 

What was the question? 

In a leasehold flat the building insurance is included with the service charge so when I let leasehold properties unfurnished that policy seems to cover everything. However - if the plumbing fails and floods the flats below - what's the insurance position.

Does buildings cover that - or is it a small contents and flood policy that I need? 

And the advice received.... 

"Yes, the buildings insurance policy would normally pick this type of claim up but possibly good to check the lease to ensure that this allows flats to be let. The lease also may state something different regarding insurance, but this is the stance taken 99% of the time.

The leaseholder should seriously think about having Property Owners Liability insurance however for their individual flat. This could include contents insurance cover as well."

Boswells are recommended by the PDPLA and whilst it is true that we get a small commission from them, we can safely say that we have yet to find better cover elsewhere.


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Written & oral information and advice from the Portsmouth & District Private Landlord's Association is given in good faith, but no responsibility whatsoever is accepted by the Association or it's officers for the accuracy of it's information & advice nor shall the Association be held responsible for the consequences of reliance upon such information.

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