Damaged property caused by water leak. Do i need insurance?

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aherb
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Hi, I currently live in a rented flat; where four flats share a kitchen. I am currently in my fourth and final year of university. I had a year in industry last year and the year before that I resided in the same accommodation and room. There is a small loft like access panel in the ceiling of my room and in my first year living here it flooded a few times with really hot water, not much but I made sure to contact the 24hr security emergency number and the property manager. Each and every time they couldn’t find where it was coming from and they hinted that I was causing problems.

Well, here in my final year of residing it was fine up until tonight where it was a steady flow of water leaking out. I called the 24hr security line and they sent a member of the security team over to investigate, he pulled the joint apart where the leak was coming from, which caused a heavy down pour which flooded my room with at least 1/2" of water covering my entire floor. I rushed and took as much as I could off the floor while I could still see. The water also caused the electricity to trip out in my room. The security of staff called the property manager. They took me to a hotel and that is where I currently am. Thing is it covered the belongings I had on the floor in water including my printer, laptop keyboard, my tablet, all my Uni work, my shoes, my coats and clothes as well as my phone charger and consumables such as toilet roll.
What I am wondering is where do I stand with this I don't have any kind of insurance? Any help is appreciated.
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claireestelle
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(Original post by aherb)
Hi, I currently live in a rented flat; where four flats share a kitchen. I am currently in my fourth and final year of university. I had a year in industry last year and the year before that I resided in the same accommodation and room. There is a small loft like access panel in the ceiling of my room and in my first year living here it flooded a few times with really hot water, not much but I made sure to contact the 24hr security emergency number and the property manager. Each and every time they couldn’t find where it was coming from and they hinted that I was causing problems.

Well, here in my final year of residing it was fine up until tonight where it was a steady flow of water leaking out. I called the 24hr security line and they sent a member of the security team over to investigate, he pulled the joint apart where the leak was coming from, which caused a heavy down pour which flooded my room with at least 1/2" of water covering my entire floor. I rushed and took as much as I could off the floor while I could still see. The water also caused the electricity to trip out in my room. The security of staff called the property manager. They took me to a hotel and that is where I currently am. Thing is it covered the belongings I had on the floor in water including my printer, laptop keyboard, my tablet, all my Uni work, my shoes, my coats and clothes as well as my phone charger and consumables such as toilet roll.
What I am wondering is where do I stand with this I don't have any kind of insurance? Any help is appreciated.
I'm afraid as you're responsible for insuring contents of your home that you would unfortunately have to shell out to replace it all out of your own pocket.
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jelly1000
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(Original post by aherb)
Hi, I currently live in a rented flat; where four flats share a kitchen. I am currently in my fourth and final year of university. I had a year in industry last year and the year before that I resided in the same accommodation and room. There is a small loft like access panel in the ceiling of my room and in my first year living here it flooded a few times with really hot water, not much but I made sure to contact the 24hr security emergency number and the property manager. Each and every time they couldn’t find where it was coming from and they hinted that I was causing problems.

Well, here in my final year of residing it was fine up until tonight where it was a steady flow of water leaking out. I called the 24hr security line and they sent a member of the security team over to investigate, he pulled the joint apart where the leak was coming from, which caused a heavy down pour which flooded my room with at least 1/2" of water covering my entire floor. I rushed and took as much as I could off the floor while I could still see. The water also caused the electricity to trip out in my room. The security of staff called the property manager. They took me to a hotel and that is where I currently am. Thing is it covered the belongings I had on the floor in water including my printer, laptop keyboard, my tablet, all my Uni work, my shoes, my coats and clothes as well as my phone charger and consumables such as toilet roll.
What I am wondering is where do I stand with this I don't have any kind of insurance? Any help is appreciated.
If your parents have contents insurance check that because it might cover you. Otherwise its your responsibility I'm afraid to make sure your stuff is insured.
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doodle_333
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It might be worth trying to complain to your landlord and ask for compensation as they have failed to fix a problem that they have known about for a long time but I doubt you will get anywhere. As others have said insurance is your responsibility.
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Good bloke
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(Original post by aherb)
What I am wondering is where do I stand with this I don't have any kind of insurance? Any help is appreciated.
It depends on whose fault the problem is. If the building owner or landlord is responsible, as seems likely, then you can demand that they pay for damage to your goods (and they can claim on their insurance).

If the liability is yours (say, if you caused the leak) then you will have to pay or claim on your own insurance. This doesn't sound likely though as there seems to be a leak in the plumbing which would be the landlord's responsibility.

The fact that you have reported the problem several times and it has gone without repair will help to establish negligence on their part.

You need to keep a log of all incidents and of all communications with the landlord, including the dates of previous problem reports, together with supporting evidence.
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