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.
All the more reason to move into my own fucking house. At least then I own any fuckups.
Apart from when you don't. There was an example in the media a little while ago when a neighbours chimney fell down in a storm and smashed into their roof. They didn't have insurance and were stuffed.
Building insurance doesn't usually cover 3rd parties unless you can show negligence.