claim by neigbour in flat below

[cyrilbiker2]

I live in an upstairs flat and my neighbour below claims water is leaking from my bathroom through to her ceiling. Will my house insurance cover damage to her ceiling. I have yet to prove or disprove the water is actually coming from my bathroom as claimed. Thanks for ANY advice on this one I am novice on this subject.

[DSJ]

Get a plumber in as quickly as possible to check. Is there a flat above yours? If the leak is coming from your system, you will be responsible for repairing the damage to your neighbour's ceiling. But do get a professional to check first.

[buildersmate]

That wasn't what was asked.
Every insurance policy I've ever seen has a liability to Third Parties clause. This covers you if the postman trips up over your paving slabs, say. It should also cover the event you mention - but pull the Policy Document out and have a look at the small print. You may indeed have to take appropriate steps to migigate the 3rd Party's claim (like call a plumber out quickly).

[cyrilbiker2]

Cheers DSJ & Buildersmate. I have had a plumber call in, he has identified the problem, has will replumb in the offending bath. Fortunatley the ceiling below shows no long term damage and they are happy to let me have a plasterer look at it. Thanks for advice, it proved very helpful.

Cyrilbiker

[madworld]

I had a leak from my neighbour upstairs last year and I had to make a claim as it was not a "deliberate" act by the neighbour upstairs. I even gave my insuarnce company the insurance details of my neighbour but they were not interested. If your neighbour downstairs is insured with Churchill like I am then your laughing.