Water damage to a flat beneath my mother's flat - who pays for the repair costs - The building's insurance or my mother's independent home insurance?

[The GodMother]

I am so sorry this MR x is bullying your Mother. 

in reply to your questions 

 

1) Not fully sure o this but your Mother pays half and is named so would be entitled to ask questions etc

 

2) Mothers insurance policy costs could rise. This is due to a claim being made. He could try to bully the insurance company but l thin they have heard it all before. 

 

3) You don't unless you have the pipes checked or even have a video of the other causes blocking the pipes. I know when we had a lot of over night heavy rain 2 years ago our downpipe got blocked and ended flooding into our house. Long story short the LL tried to blame the neighbours house as his guttering was blocked but we have 3 private owned houses connected to our down pipe, 6 houses in total, so it could have been any of them and it ended at ours with the down pipe. 

 

4) The company have said there are other reasons. Do you have a copy of that report and do you have a copy of that report. Does it give possibility's as to what could have caused it. 

 

5)Based on what you have said l think there might be. Your mum is not a holder but she is a interested party Do a SAR and see what comes up. 

 

6) How is your Mums health now. Could you get Power of attorney. I am wondering as if you can this may help as you can order that everything has to go threw you and have it in writing only.