Washing machine flood - flat below damaged - insurance query

[shootop1]

My friend lives in a small block of flats (all owner-occupied). They each have their own contents insurance, but the building insurance is paid jointly via the service charge.

 

His washing machine has flooded the flat below.

 

Is this something that is covered by their joint building insurance or the contents insurance of the flooded flat?

 

The insurance company wants proof that the machine has been fixed. If the problem occurs again, who is responsible?

[unclebulgaria67]

My friend lives in a small block of flats (all owner-occupied). They each have their own contents insurance, but the building insurance is paid jointly via the service charge.

 

His washing machine has flooded the flat below.

 

Is this something that is covered by their joint building insurance or the contents insurance of the flooded flat?

 

The insurance company wants proof that the machine has been fixed. If the problem occurs again, who is responsible?

 

The flat owner with the faulty washing machine is not negligent the first time it causes flooding. If they continued to use the machine unfixed, they could not be held responsible for any damaged caused. Hence why they are asking for confirmation it has been fixed.

 

Downstair neighbours need to claim off their own Insurance, which may the block buildings policy for damage to the structure and Contents for anything that the Buildings Insurance does not cover.