Hi all, I'd really appreciate some advice. The apartment above mine flooded last night and the water has seeped down into my apt and the apt below. There is wall, ceiling and floor damage inside the apartments and in the common areas. We also think there is electric problems as the plug sockets and light switches are on some of the affected walls. We called the emergency contact number provided by our managing agent but they were worse than useless and couldn't send anyout out nor could they organise an electrician. The owner of the apt where the flood started was too upset to deal with it but said everything would be looked after. My insurance company said I should claim off the block insurance. The emergency number we called said it wasn't anything to do with block insurance and it would be covered by our insurance companies. Who is liable for the damage caused - block insurance or owner of the apartment where the flood happened? Any advise on what to do would be much appreciated.