Water Leak Compensation Options

Summary

If a water leak from the flat above causes damage, you can seek compensation for the insurance excess. Start by gathering evidence and notifying your neighbor and their landlord. If your insurance provider cannot assist due to a joint policy, try negotiating with your neighbor. If they only agree to cover half, consider further negotiation or mediation. If these efforts fail, you can file a claim in the Small Claims Court for the remaining amount.

Full Conversation

Can I make the flat above me pay the insurance excess for a water leak from their flat? I'm in England
To pursue compensation for the insurance excess from the flat above, you can consider the following steps:
- Gather evidence of the leak and damage.
- Notify your neighbor and their landlord.
- Contact your insurance provider for advice.
- Consider mediation before taking legal action.
Have you contacted your insurance provider yet?
I have contacted the insurer and they say they can't advise us as we are on a joint policy with the upstairs flat
It sounds like a complex situation. To clarify, have you discussed the matter directly with your neighbor to see if they are willing to cover the excess? This might help before considering further legal steps.
They will only cover half the excess
Since your neighbor is only willing to cover half of the excess, you may consider the following options:
- Negotiate further: Try to reach a mutual agreement with your neighbor.
- Small Claims Court: If negotiation fails, you can file a claim for the remaining amount in the Small Claims Court.
Would you like more information on how to file a claim in the Small Claims Court?