My elderly housing association told me that building insurance be included surrounded by the service charge, but it wasn't.
I lived in my old house for 3 years. In that time I be under the impression that buildings insurance be included in the service charge I pay every month. I own since found out that I wasn't covered at all! Imagine if something bad happen to my house, I could have been facing financial ruin! I don't want them to grasp away with this. Can I claim compensation? If so, how much?
Answers:
what contract did you have or sign when you took over, have a honourable read amongst the small print and (surprise) i think you will find they are in the clear!!
I doubt it, I don't think it is their responsibility to see that you enjoy housing insurance, you should have checked your service charge agreement's small print. My experience of housing association responsibility and help is I'm afraid to influence one of utter incompetence. You have more chance of getting blood from a stone than getting compensation..what planet are you on
The following is based on the assumption were/ are the OWNER of a property paying a service charge to a housing association to verbs property grounds/ exterior. Can happen when a few owned properties are part of a block mostly owned by a housing association. If you be not the owner you didnt need building insurance.
You will need to be capable of prove that the housing association told you that building insurance was covered.
Or convince whoever you complain to that the housing association told you this. As to what you could claim no idea, but as you enjoy not suffered material loss................
I would have thought that the details of what be covered would be in documentation you would have be given.
Possibly the best thing you can do is send the housing association a strongly worded complaint.
The bottom stripe here is always get it surrounded by writing! If I believed everything I had been told roughly property over the years---
"Yes I am sure the council will let you lower the pavement for a new entrance"
" The Boundary starts here"
" You will be allowed to put an media hype sign there"
"Thats not dry rot"
Verbal promises are not worth the paper they are written on!
In response to your update.
In order to find out if you own a claim contact the citizens advice bureau, I think you might find it difficult as you hold not experienced material loss.
What damages have you incurred? Impressions don't hold up contained by court, what do you have in writing that states they would supply insurance? I ruminate you need to look at this as a lesson learned, gain insurance and go on.
Have you get that in writing?
The meaning is that the required Insurance for the building where on earth you were to live, is paid for by you through the Service Charge. The House would own been covered but YOU would not as you were solitary a tenant.
Buildings Insurance is something separate and is something you would have to sort out and pay for yourself, one and the same as Contents Insurance.
If something catastrophic had happened to the house you be living in then the insurance would own taken care of it. The Insurance is the Housing Association's and not yours. Why pay for building insurance on a property you don't own?
I would however, invest contained by fairly comprehensive Contents Insurance because you never know if you'll need it.
You are mistaking the certainty that although you were a tenant, the house wasn't 'yours'!
You have no suitcase for compensation because no claim had been enter, all you could possibly do is have the Tenancy Agreement reworded so that the substance of Insurance as it relates to the house is clearer.
Do you mean buildings insurance as for the structure; or contents insurance for your stuff?
Buildings insurance is the landlords responsibility, you don't payment it. If theres an incident its not your problem, they have to pay to take it fixed.
Contents insurance is your responsibility.
And since nothing happened, what are you claiming for? If your house have been damaged and they tried to label you sleep in the garden in a cardboard box you'd enjoy a case.
Related Questions:
Answers:
what contract did you have or sign when you took over, have a honourable read amongst the small print and (surprise) i think you will find they are in the clear!!
I doubt it, I don't think it is their responsibility to see that you enjoy housing insurance, you should have checked your service charge agreement's small print. My experience of housing association responsibility and help is I'm afraid to influence one of utter incompetence. You have more chance of getting blood from a stone than getting compensation..what planet are you on
The following is based on the assumption were/ are the OWNER of a property paying a service charge to a housing association to verbs property grounds/ exterior. Can happen when a few owned properties are part of a block mostly owned by a housing association. If you be not the owner you didnt need building insurance.
You will need to be capable of prove that the housing association told you that building insurance was covered.
Or convince whoever you complain to that the housing association told you this. As to what you could claim no idea, but as you enjoy not suffered material loss................
I would have thought that the details of what be covered would be in documentation you would have be given.
Possibly the best thing you can do is send the housing association a strongly worded complaint.
The bottom stripe here is always get it surrounded by writing! If I believed everything I had been told roughly property over the years---
"Yes I am sure the council will let you lower the pavement for a new entrance"
" The Boundary starts here"
" You will be allowed to put an media hype sign there"
"Thats not dry rot"
Verbal promises are not worth the paper they are written on!
In response to your update.
In order to find out if you own a claim contact the citizens advice bureau, I think you might find it difficult as you hold not experienced material loss.
What damages have you incurred? Impressions don't hold up contained by court, what do you have in writing that states they would supply insurance? I ruminate you need to look at this as a lesson learned, gain insurance and go on.
Have you get that in writing?
The meaning is that the required Insurance for the building where on earth you were to live, is paid for by you through the Service Charge. The House would own been covered but YOU would not as you were solitary a tenant.
Buildings Insurance is something separate and is something you would have to sort out and pay for yourself, one and the same as Contents Insurance.
If something catastrophic had happened to the house you be living in then the insurance would own taken care of it. The Insurance is the Housing Association's and not yours. Why pay for building insurance on a property you don't own?
I would however, invest contained by fairly comprehensive Contents Insurance because you never know if you'll need it.
You are mistaking the certainty that although you were a tenant, the house wasn't 'yours'!
You have no suitcase for compensation because no claim had been enter, all you could possibly do is have the Tenancy Agreement reworded so that the substance of Insurance as it relates to the house is clearer.
Do you mean buildings insurance as for the structure; or contents insurance for your stuff?
Buildings insurance is the landlords responsibility, you don't payment it. If theres an incident its not your problem, they have to pay to take it fixed.
Contents insurance is your responsibility.
And since nothing happened, what are you claiming for? If your house have been damaged and they tried to label you sleep in the garden in a cardboard box you'd enjoy a case.
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