Oddjob wrote: » Insurance is for things that could not be foreseen. You are not liable for any damage outside your apartment, either the block insurance or their contents insurance covers it.Fitted Flooring would be under block insurance.
I only have block insurance and not sure whether this would be included in the cover. Am I legally obliged to pay for the cost eventhough it was an accident and there were no signs whatsoever of a leakage in my apartment? Any advice appreciated.
(i) that insures the landlord against damage to, and loss and destruction of, the dwelling, and [i.e. your block insurance] (ii) that indemnifies, to an amount of at least €250,000, the landlord against any liability on his or her part arising out of the ownership, possession and use of the dwelling,
odds_on wrote: » I only have block insurance and not sure whether this would be included in the cover. Am I legally obliged to pay for the cost eventhough it was an accident and there were no signs whatsoever of a leakage in my apartment? Any advice appreciated. You should have your own insurance for the interior of you own apartment to cover this type of eventuality plus to cover loss or accidental damage to your own furniture and fittings (as distinctly from the belongings of the tenant who should insure those). Furthermore, you are required by law (RTA 2004, 12, (1) (c) to have insurance for: (i) that insures the landlord against damage to, and loss and destruction of, the dwelling, and [i.e. your block insurance] (ii) that indemnifies, to an amount of at least €250,000, the landlord against any liability on his or her part arising out of the ownership, possession and use of the dwelling, As marcusm says, block insurance covers structural problems and issues outside each apartment. You require insurance cover for things that happen within your apartment - whether plumbing, electrical etc. You have no insurance - you pay. There are special landlord insurances available.
Zul wrote: » Thanks all for your opinion. I know it's my mistake for not getting and insurance. The problem here though is that there were no damage to my apartment or signs of leakage. If there were damage to mine, I know that I have to cough up the money and pay. What I want to know is that whether I am legally obliged to pay for damages for my next door apartment when I can clearly say that I am not negligent and there was no way I could predict this. I understand that if I or my tenant was responsible for it, I have to reluctantly pay but I don't think that I am. Thanks again for all the opinion.
Zul wrote: » There was an accidental leak coming from my apartment kitchen (it was not foreseen) from a upipe being disconnected from the kitchen sink (not sure how this happened, but according to my tenant, from the plumber, it wasnt our fault).
