This podcast is a conversation with Trevor Palmer, Senior Property Account Executive at Pi-Property Insurance. Water Damage in Apartment Blocks:...
There is a legal right for leaseholders to request information about the insurance policy from the landlord.
Where a landlord fails without reasonable excuse to comply with either a request for insurance details or to inspect or have copies of the relevant policy or associated documents, they commit a summary offence and are liable for a fine of up to £2,500 (level 4 on the standard scale) on conviction.
The local housing authority, usually through the Tenancy Relations Officer, has the power to bring proceedings, or they can be brought by the leaseholder privately to the Magistrates Court. Any prosecution must be presented to a magistrate within 6 months of the date of the offence.
Please note that local housing authorities have an obligation to provide the information but these are exempt from prosecution.
More information you might find useful:
- My landlord arranges the buildings insurance and I pay a proportion of the cost through my service charge. Can I get information about the policy?
- Service Charges and other issues: Insurance by the landlord
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