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Buildings are usually insured as a whole and paid for in your service charge. Is that what you pay Hackney Homes for? If so then the downstairs flat will do the same, so it's the same insurance policy... And if they're tenants it will be the landlord that pays the buildings insurance so it will be down to them to discuss with you, not the tenant.
Hefty
HALP, PLS!
We had a leak which we fixed as soon as we were made aware, but appears to have caused extensive paint damage downstairs (I am dubious). Our insurance says they need to claim off their own insurance for repairs to paint and plaster.
Are we liable? I don't want to stump up to fix what they're claiming is caused by a leak from us because I think they're exaggerating it.
They are tenants but I don't know if they are private tenants or council tenants.
We have building insurance as paid in our fees to Hackney Homes and separate contents cover/
I am confused.