Hi
Sorry for jumping on this thread. I am just in a situation which I posted about a while back. Any help greatly appreciated.
Apartment with premier guarantee flooded 4.5 years ago when it was new, developer came in (since gone bust) and fixed everything or so we thought.
Noticed a dip in the hall floor, which has gradually got worse. Lifted floorboards and got a builder to look below found that all the wood and joists are rotting, water must have gone down and sit below floor (which we didn't know about how could we, flooring above was dry).
So that section wooden joists and structure needs to be repaired, but the bathroom which is beside that has dipped down a quarter inch from where it used to be in line with the tiles.
We had a loss assessor and mngt company look at this. Home insurance is out, and I'm told block insurance won't cover (which I don't understand as it emanates from outside our apartment the flat roof of the apartment above us).
So that leaves premier guarantee (OSG) to claim with.
Can anyone advise us is this our only option? This is causing so much stress, as we prob will have to foot the bill. I am so worried the bath will collapse or the flooring fully when we are on it, we are above another tenanted one bed apartment.
The management company said that it was due to the original flooding 4.5 years ago, but we didn't know the water got under the floorboards the floorboards were not wet so we didn't know. The damage never emanated from inside our apartment or from anything we did. How is it not the block insurance as its from a flat roof of another apartment above us?? (Which is not inhabited)
They said the block insurance loss adjuster wouldnt go for it, I just don't get it.
On OSG do you think we should employ the loss assessor on our side to process the claim? Thanks for your help
Sorry for jumping on this thread. I am just in a situation which I posted about a while back. Any help greatly appreciated.
Apartment with premier guarantee flooded 4.5 years ago when it was new, developer came in (since gone bust) and fixed everything or so we thought.
Noticed a dip in the hall floor, which has gradually got worse. Lifted floorboards and got a builder to look below found that all the wood and joists are rotting, water must have gone down and sit below floor (which we didn't know about how could we, flooring above was dry).
So that section wooden joists and structure needs to be repaired, but the bathroom which is beside that has dipped down a quarter inch from where it used to be in line with the tiles.
We had a loss assessor and mngt company look at this. Home insurance is out, and I'm told block insurance won't cover (which I don't understand as it emanates from outside our apartment the flat roof of the apartment above us).
So that leaves premier guarantee (OSG) to claim with.
Can anyone advise us is this our only option? This is causing so much stress, as we prob will have to foot the bill. I am so worried the bath will collapse or the flooring fully when we are on it, we are above another tenanted one bed apartment.
The management company said that it was due to the original flooding 4.5 years ago, but we didn't know the water got under the floorboards the floorboards were not wet so we didn't know. The damage never emanated from inside our apartment or from anything we did. How is it not the block insurance as its from a flat roof of another apartment above us?? (Which is not inhabited)
They said the block insurance loss adjuster wouldnt go for it, I just don't get it.
On OSG do you think we should employ the loss assessor on our side to process the claim? Thanks for your help