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Who has to pay
I am renting a property. There is a shower on the topfloor and due to a leakage from the shower cabin the water caused the plaster on the ceiling on the floor below to collapse. My landlord(very nice, no issues with him), contacted his insurance company who claimed that unless there is a structural damage, eg. like a leaked pipe, the responsibility for paying for the repairs fall on the Tenant or the Tenant's insurance company. I was hence asked to check with my insurance if they can cover this, but it seems a bit odd to me that a tenant is responsible for this kind of repair. My question is, what are the rules here?
Thank you in advance for all responses
Ask YOUR insurance company, that is what you take out insurance for.
If it is your responsibility, and it is covered by the insurance, they will pay up. If they think that it is the responsibility of the landlord's insurers they will negotiate therewith as to who pays. Might be the same company, of course!
Sorry but to me, I don't think it seems a bit odd that a tenant is responsible for this kind of repair.
If there is no structural damage, eg. like a leaked pipe then the user of the shower may have not had shower door closed properly, shower may have overflowed etc causing the damage.
As Becasse has said, "Ask YOUR insurance company"
There's no accounting for the ways insurance companies refuse to pay up. I agree it sounds like it's not your responsibility but I'd still ask your insurance e companies advice then send a letter to the other lot that your record telling them what the reply is. Expect this to take a long time to sort out if past experiences we had are a barometer
Also document in writing to your landlords what you do and send it recorded so on the leaving inspection they don't sting you for it if it's not resolved properly. Even nice landlord employ ruth,eps experts
Tenant is liable if he misused the shower.
If the leak is a problem which has nothing to do with a problem of fault by the tenant, then it falls on the policy of the owner.
All depends on the exact cause of the leakage.
Default of the cabin (owner) , poorly closed (tenant).
I was 30 years a Director in an insurance company and advises you to contact your broker as well as the owner and the a survey be organised in the presence of both insurance to determine causes, it will then fall on one or the other policy, provided that no exclusion for that cause is stipulated in that policy. good luck to you
