Owning your own home

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hippy in reply to @Grumpy_Git

I was trying to avoid all that shit.

If my insurance excess is £600 but it's not my fault do I still have to pay the excess?

I'm already dealing with the management company. I just assumed their insurance would pay for all this shit, since it's their crap that broke. Like, if I crashed my car into someone's house, they're not expected to pay for half the damage are they?

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jellybaby in reply to @hippy

Building insurance doesn't usually cover 3rd parties unless you can show negligence.

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hippy in reply to @jellybaby

I'd argue that running someone else's pipes inside my flat was negligent but obviously that's my opinion and not law and everyone knows that the law is bullshit.

All the more reason to move into my own fucking house. At least then I own any fuckups.

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