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Legal matters

Would having tenants ,no legal agreement ,invalidate Buildings Insurance ?

6 replies

gingeroots · 30/07/2011 20:34

A friend let her flat to a couple ( friends of tenant in flat below ) with nothing in writing ,just a verbal agreement .
This was for a few weeks ( 4 or 5 ) after the orginal tenant moved out and while flat was put up for sale .
Unfortunately the couple have caused a pretty serious fire ( candles ) which has burnt out a room in the flat and caused damage to flat below .
Does anyone know whether the insurance is likely to be invalidated because no formal tenancy agreement ?

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HappyMummyOfOne · 30/07/2011 20:41

What kind of insurance did she have - personal or landlords? Was there accidental damage cover?

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gingeroots · 30/07/2011 20:46

Umm - my friend owns the flat and there is buildings insurance that covers all 3 flats .
It's a house divided into 3 flats and the arrangement is that the 3 owners are members of a company that own the freehold of the building .
Think that's correct - it's an alternative way of sharing the freehold .

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ThierryHenryismyBoyfriend · 30/07/2011 20:47

Unless she had landlords insurance then it's likely the insurance company will decline the claim on the basis that the property was being let out.

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gingeroots · 30/07/2011 20:51

I think she must have had landlords insurance ,she's never lived in the flat herself and it's been let for several years to a tenant who has now moved out and flat on market for sale .
The owner of top floor flat manages the freehold company thing and is incredibly organised so don't think any chance no landlords insurance .

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Lizcat · 01/08/2011 13:25

We have a holiday flat that is in a similar property. We have to provide a statement to the insurance company providing the buildings insurance each stating about our letting and how often the property is visited. We then have separate holiday property contents insurance.

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gingeroots · 01/08/2011 18:05

Thanks Lizcat .

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