Home & Garden48 mins ago
Flat fire can i claim?
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An employee of ours rented a flat.There was a fire above him consequently he lost a lot of property thro smoke and water damage.He had no contents insurance though of course his landlord had buildings cover.Can he claim against the landlord?
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For more on marking an answer as the "Best Answer", please visit our FAQ.It's unlikely he can claim against the landlord unless the fire was caused by some faulty wiring etc which would be the landlord's responsibility. Even if the tenants above were there illegally, the landlord would not be liable for the damage unless he has done something wrong that has caused the fire. Claim against tenants above is more likely but from what you say I doubt they will be insured against any liability. Does your employee know what caused the fire?
He had no contents insurance? - then hes a fool.
He'll be able to get the flat sorted through the buildings insurance, and that may cover a small amount of contents insurance that would be classified as the landlords (carpets etc) - any of his contents - tv, clothes etc - will be hard to try and claim on
He'll be able to get the flat sorted through the buildings insurance, and that may cover a small amount of contents insurance that would be classified as the landlords (carpets etc) - any of his contents - tv, clothes etc - will be hard to try and claim on
If the fire occurred through the negligence of another person, he can claim against that person.
e.g. if the landlord failed to ensure that the property's wiring was in good condition, he can claim against the landlord. Or, of the person in the upper flat left a chip pan unattended, he can claim against that person. (In either case, the negligent person can pas the claim to their insurer - if any - under their 'third party' cover. If they've got no such insurance cover, they will be personally liable).
Chris
e.g. if the landlord failed to ensure that the property's wiring was in good condition, he can claim against the landlord. Or, of the person in the upper flat left a chip pan unattended, he can claim against that person. (In either case, the negligent person can pas the claim to their insurer - if any - under their 'third party' cover. If they've got no such insurance cover, they will be personally liable).
Chris