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?

[stu007]

Hi

 

Could I also mention my concern is you point out that the actual Owner of the building has passed all the maintenance/upkeep etc of that building onto her Brother that lives in the building but did the actual owner notify your Mother in writing of this change as legally required?

 

If the above was not done (i.e. only verbally) then your Mother needs to write to the Actual Owner of the Building requesting clarification if writing that she the Owner of the Building has passed these responsibilities onto her Brother that lives at XYZ Address. (your Mother needs a paper trail of all this)

 

I also agree that as your Mother is named of the Building Commercial Insurance then she should be entitled to a copy of that Policy especially since she is paying 50% of that policy.

 

I would also consider sending them a Subject Access Request (SAR) asking for 'ALL DATA' that simple phrase covers which ever format they hold that Data in whether it be recorded telephone calls, writing, email etc. and it is FREE to do so and they then have 30 Calendar Days to comply but that time limit only starts once they have acknowledged receipt of your SAR Request