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Contents insurance claim?

No contents insurance but can a claim be made against neighbours bricks and mortar insurance.?

  • Landlord owns 11 properties in a converted house. A flat on the top floor catches fire and the brigade put the fire out and flood all other flats in the building. If I have no contents insurance, can I claim for damaged posessions against the landlords bricks and mortar insurance given that the problem was caused from a flat above. If I had contents cover, I assume my insurer would want to make a claim against my landlords bricks and mortar insurance policy.

  • Answer:

    Depends what your tenancy agreement says. Very unlikely you can claim, I'm afraid - the landlord isn't responsible for the incident, and the fire brigade don't pay for water damage when water is essential to put out the flames.

John at Yahoo! Answers Visit the source

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Other answers

Not in the US. He's covered because he has insurance. His insurance doesn't cover your stuff. Only your insurance covers your stuff.

Insurance Pickle.com

I think you may have a claim. The "Prime Cause" of the damage to your flat was the fire in the top flat. Therefore, I believe you may have a claim against either the Landlord or the occupier of the top flat. You should speak to a solicitor or your local CAB.

Fairfax

The answer is in your lease. If it includes a "hold harmless agreement," you are toast. So to speak.

John G

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