Apartment water leak, what can be claimed?

axer · 01-05-2019 12:59am #1

Hi,
I had a small water leak in our apartment in dublin that is resulting in a claim on the block insurance policy (caused by builder having installed incorrect piping 15 years ago) . I am a tenant sorting it out for the landlord. I am claiming for the damage to the apartment as assessed by a water damage repair specialist. This claim includes removing the existing damaged stuff, drying the place out and replacing laminate floors, skirting, repainting, damaged kitchen cabinets.

I had to move out until the damage is repaired so have a long commute to work from the home house in the country. I came across that loss of rent can be claimed so put through that also as part of claim. Are there other things I should also be claiming for that people generally don't think about? E.g cost of electricity to run equipment to dry the place etc I don't know much about such claims so just trying to make sure I haven't missed anything that I might realise later that I should have included in the claim.

Thanks

wonski · 01-05-2019 1:13am

Shouldn't your landlord claim? . And you against the landlord/block insurance if that makes sense.

Lost rent etc has nothing to do with you and you as a non owner occupier have not much to do with the whole claim apart from contents insurance that you might have bought separately.

The block insurance should cover your stay in temporary accommodation and the landlord deals with his side of the claim separately.

axer · 01-05-2019 2:21am

wonski wrote: »

Shouldn't your landlord claim? . And you against the landlord/block insurance if that makes sense.

Lost rent etc has nothing to do with you and you as a non owner occupier have not much to do with the whole claim apart from contents insurance that you might have bought separately.

The block insurance should cover your stay in temporary accommodation and the landlord deals with his side of the claim separately.

apologies, I wasnt clear. I'm handling the landlords insurance claim.

Roger T. Mott · 22-05-2022 4:56am

In general, home public adjusters covers water damage if it occurs suddenly or accidentally.

Unexpected plumbing or appliance problems.
Burst pipes due to freezing.
Leaky roofs.
Frost damage.
Theft (remember the Wet Bandits from Home Alone?)

22-05-2022 7:03am

" caused by builder having installed incorrect piping 15 yrs ago".

An insurance company will have a field day with that statement alone.......as in....;

1. Sue the builder

2. Sue the pipe manufacturer.

Eggs For Dinner · 22-05-2022 8:39am

https://www.boards.ie/discussion/comment/119096033#Comment_119096033

You must be regulated to act for another party in the handling a claim. The fact that the OP is asking such basic questions shows they are not qualifed to do this. A policyholder can, of course give permission to someone else, usually a family member of a vulnerable person, to handle correspondence and phone calls etc

is_that_so · 22-05-2022 9:41am

...

Lenar3556 · 22-05-2022 9:52am

https://www.boards.ie/discussion/comment/119096098#Comment_119096098

I wouldn’t advise a tenant to be getting involved in matters which are the responsibility of their landlord, nor would it typically be a good idea for the landlord to permit such involvement.

Having said that, we don’t know the circumstances - the landlord may be absent, incapacitated, or for some reason not engaging to the extent required to bring about the required solution. If so, the landlord permitting the tenant to do some of the legwork in progressing the assessment, quotations, claim etc. is no big deal and could help progress the matter in a more timely manner. There is no regulatory issue arising.

In any case it is the OMC who are the policyholder for the block insurance and the directors of this company are those who will ultimately have to engage with the insurer.

Apartment water leak, what can be claimed?

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