technotastic
Registered User
- Messages
- 10
Hi,
wondering if anyone can help.
I bought an apartment a couple of years ago and have recently discovered a leak in the heating system. It is one of the pipes in the concrete floor of the apartment which is leaking.
I have contents insurance which I've been told will not cover the heating system, pipework etc as this is normally classed under building insurance.
The management company for the estate has told me that this is not under the block policy as the leak is in my apartment (even though its in the concrete floor. They said that there is a concrete screed above the slab which is where the pipes are and that this is not under their responsibility). So I'm now in a position where neither the building or contents insurance will cover the cost of finding and repairing the leak (and subsequently replacing the concrete floor). The cost is potentially several thousand euro depending on where the leak is.
From speaking to my own insurer (for the contents cover), it is not possible for me to get this type of cover as you cannot have the building insured twice, in any case you would need to insure the whole building and not just the individual unit. Is this the case? If so, how can I get the floor and pipework/heating system insured?
Can anyone advise me on where to go next?
The builder has stated that the apartment is out of warranty.
The management company want nothing to do with this.
My contents insurance provider has stated that this is not classed as contents and so is not covered.
I'm consulting my solicitor who handled the sale of the house to investigate the deeds to find who retains ownership of the concrete floor.
wondering if anyone can help.
I bought an apartment a couple of years ago and have recently discovered a leak in the heating system. It is one of the pipes in the concrete floor of the apartment which is leaking.
I have contents insurance which I've been told will not cover the heating system, pipework etc as this is normally classed under building insurance.
The management company for the estate has told me that this is not under the block policy as the leak is in my apartment (even though its in the concrete floor. They said that there is a concrete screed above the slab which is where the pipes are and that this is not under their responsibility). So I'm now in a position where neither the building or contents insurance will cover the cost of finding and repairing the leak (and subsequently replacing the concrete floor). The cost is potentially several thousand euro depending on where the leak is.
From speaking to my own insurer (for the contents cover), it is not possible for me to get this type of cover as you cannot have the building insured twice, in any case you would need to insure the whole building and not just the individual unit. Is this the case? If so, how can I get the floor and pipework/heating system insured?
Can anyone advise me on where to go next?
The builder has stated that the apartment is out of warranty.
The management company want nothing to do with this.
My contents insurance provider has stated that this is not classed as contents and so is not covered.
I'm consulting my solicitor who handled the sale of the house to investigate the deeds to find who retains ownership of the concrete floor.