How does home insurance work?

Jonny ///M

Jonny ///M

Jonny ///M

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http://local.stv.tv/glasgow/196576-...aze-in-flat-in-charing-cross-area-of-glasgow/

My gf stays in the flat below the one which caught fire today and it got me thinking about this for when we get a flat of our own.

The water from the flat above has came through into a poor chaps room below ruining a lot of his things. According to the landlord he won't be insured for the tennants things but will he be claiming the insurance of the person above or claiming on his own insurance?

If someone flooded me I'd assume I'd claim from their insurance company as it's not my fault just like a car. If the person above isn't insured then what?

Could someone explain how it would all go down? :D
 
You would claim from your insurance, and they would then claim (or take legal action) against the insurer of the flat above to recover as much of their payout as possible.
 
"Four appliances were sent to the second-storey property in Elderslie Street at about 4.50pm on Tuesday, Strathclyde Fire and Rescue confirmed."

No matter how many times I read that it doesn't make sense. Did some kitchen appliances set on fire? Or is it some form of Gaelic?
 
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Was a beko fridge freezer, bosch washing machine, bosch classixx dish washer and a creda dryer mate.

It was actually today not Tuesday too. Reporter guy was a fanny.

So if you have no insurance and get flooded by people above who aren't insured you're ******?
 
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This is one of those questions that puzzles me with regard to flats.

If my washing machine floods and goes through downstairs who do they claim off, I thought it would be from their own insurance and if they didn't have contents insurance then tough poo?
 
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peige said:
This is one of those questions that puzzles me with regard to flats.

If my washing machine floods and goes through downstairs who do they claim off, I thought it would be from their own insurance and if they didn't have contents insurance then tough poo?
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It depends on the cause. If it's simply a case of "life happens" then downstairs would be covered on their own insurance.

If you happened to be attempted a DIY repair and flooded their flat because you have the DIY skills of a dead fish then they would claim from their insurance who would then claim from you (or your insurance under TP liability cover).
 
If you're negligent for the leak then it's a claim under the Public Liability section of your insurance.

If it's due to some shoddy workmanship, then they'll look to hunt them down and claim of their insurance.
 
Buildings Insurance and Contents insurance are different. If you are in rented accommodation then the structure is covered by the landlord's Buildings cover, and any extras (like cooker) supplied by the landlord will be covered by their Contents cover. As a tenant, it's your job to get cover for your own contents. If you didn't, serves you right. You can certainly try to claim off the insurer for the flat where the fire occurred, but I can't guarantee that you will be successful.
 
Meridian said:
Buildings Insurance and Contents insurance are different. If you are in rented accommodation then the structure is covered by the landlord's Buildings cover, and any extras (like cooker) supplied by the landlord will be covered by their Contents cover. As a tenant, it's your job to get cover for your own contents. If you didn't, serves you right. You can certainly try to claim off the insurer for the flat where the fire occurred, but I can't guarantee that you will be successful.
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Got it mate, she did say something something about each tenant getting their own insurance. Thankfully her room is fine but the other guy's room is ruined :(

She has nothing of any real value but when we move in together I'll be looking to be covered.
 
Health and Safety law could also play a part in this since you have a duty to `other people` this basically doesnt extend to everyone but might extend to people that might live in the same house or block of flats for example. It might also be the case that should you have been responsible for the leak that your own insurance company would pay out to your neighbours and then look to recover that cost from you since you were neglegent in your duty to your neighbours. Its a mine field out there to be honest. Also when you do get your own place with the mrs, dont go for the cheapest quote you find becuase you might find that you are missing cover on items that you need. Read the small print and make sure you get the policy that suits you the best.
 
Works the same as every other form of insurance- pay some robbing *******s so that you can have the pleasure of being told to '**** off' every time you make a legitimate claim.
 
Jonny ///M said:
Got it mate, she did say something something about each tenant getting their own insurance. Thankfully her room is fine but the other guy's room is ruined :(

She has nothing of any real value but when we move in together I'll be looking to be covered.
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You're not covered now??
 
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