water in cellar (neighbour problem)

Re: water in cellar (neighbour problem)

Having insurance is nothing to do with having a mortgage. Surely you have buildings insurance? What would you do if your tenant burnt the house down? In addition, as a landlord you are responsible for the safety of the property that your tenants are living in and your tenant can make a claim against you for damages if they are injured. For this reason you should have Landlord Liability cover. In addition you should be clear about your responsibility for maintenance under the terms of any tenancy and one of the most important pieces of legislation governing repairs is that contained within Section 11 of the Landlord & Tenant Act 1985 and which applies to leases or tenancy agreement granted on or after 24th October 1961 for less than seven years.

I hope for your sake that the owner of the neighbouring property has insurance, or you are going to need very deep pockets should he not choose to help you.

Speak with the owner of the neighbouring house and inform him that you are looking to him to fix the leak in his cellar and make good any damage that this leak has caused to your house and tell him that he must advise his insurance company as this is likely to be expensive.

You should also look at insurance, really.

[marsaday]

Re: water in cellar (neighbour problem)

i dont have insurance as i dont have a mortgage. i have to do this on my own.

i have a solicitor, but i would rather not get involved with legals at this stage.

any advice?

Re: water in cellar (neighbour problem)

Speak to your insurance company, this is what you pay it for. Do not try to deal with this yourself. The owner of the neighbouring property will be liable, again through his insurance company.