Firstly i don't get on with the neighbour so talking to them is not an option.
I live in a terraced house and my neighbour has recently had a new boiler fitted which means she has had a new flu fitted to her roof.
It appears that the people/company that fitted the flu hasn't fitted it correctly and they have also torn the felt on her roof.
Subsequently i now have a leak coming through into my bedroom and it has caused a big brown stain on the ceiling, every time it rains you here a dripping of water and the stain gets bigger. We can't see the extent of the damage as it is in the very far corner of our ceiling which would be in the far corner of our loft that we can't get to.
I live in a cottage so the walls and ceilings aren't standard plaster, it's that lime and mortar and they seem to hold the water forever??
When i first rang my insurer 3 months ago they said i was covered because it was 3rd party damage. Now they have changed there minds because the felt is ripped and the flu isn't well done. They are saying that it would be neglect on her part?
I have a solicitor sending them which i am covered for as i have £50k solicitor's costs on my household insurance policy.
I want to make sure that she pays for it and gets her roof fitted as i can't continue to have a leak in my bedroom. The ceiling is now allot worse and is starting to crumble by the beams.
Please help
Answer by Caroline G
Probably not its there roof,but you can probably sue them.Unless you really like them.
Answer by Judy
I would think your insurance would cover you loss and collect from them, after the fixed the problem. There is no use in you fixing yours until they fix theirs as the problem will just continue. I would talk to them, then send them a letter, signed receipt requested, then call an attorney. If that doesn't work call the housing code enforcement or the housing inspector.
Answer by Andy E
I think that your neighbours buildings policy should cover the repairs to their roof, but your own contents policy should cover any internal damage. In any event there is no point mending internals until the externals are sorted. Your neighbour could be reminded of the fact the plumber who installed her boiler should, by law, have public liability insurance which would cover damage to both properties
Answer by foshizzle
i don't know what the standard homeowners coverage rules are there in the UK; however, i'd imagine they're quite similar to those in the US....
if the damage to your home is still ongoing - meaning, it's still happening due to the neighbor's roof not being repaired, then, yes, your insurance company would most likely be right to deny payment for any permanent repairs to your home - for if they did that, and the neighbor still didn't have her roof repaired yet, the permanent repairs would most likely also be damaged...
However, most companies will pay for professionally done *temporary* repairs (subject to your policy deductible) in situations like this (such as putting up tarps and other protective measures)....this would be in the best interest of both you AND your insurance company....so as to help prevent further damage to your home until repairs to your neighbor's roof are made....
after the repairs to your neighbor's roof are completed, *then* your insurance company would most likely be obligated to pay for permanent repairs to your home....and if they are subsequently successful in suing your neighbor (or whoever the responsible party is) for the damage, you would then be reimbursed your deductible.
Answer by saaanen
She won't have to pay for it.
Here, in the US, if a contractor screws up, HE'S liable, not the homeowner.
I'd explain what's going on to her, and ask for the name of the contractor. I would also get a statement, in writing, from another pro who can attest to the improper installation.
Answer by Airam
I think you should not wait for the insurance company to solve this problem. You should at least start your work. call some roofer and start your roof inspection and decide what material to use for repair. I think EPDM provides long lasting repairing solution...
Best of Luck...
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Orignal From: My neighbours roof is leaking to my bedroom ceiling. Why won't my insurer cover me?
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