| Re: Total Disaster!
Hi dude,
Skars advice is spot on, the chances are that the freehold is owned in common by all leaseholders and they have appointed 3 directors to manage and act as clients to the management company (property management) who look after all the day to day running including collection of maintenance fees for insurance and service charge (maintenance fee), where this can get complicated is when the property management is looked after by the directors of the residence association, i.e. they don’t outsource but do it in house.
This company will still have to be a registered one separate to the freehold ownership company of which you are a shareholder, hence the share in the freehold that you have, albeit what you actually have is basically a standard leasehold, you benefit from being able to advertise property as having a share in the freehold which people get confused as holding an actual share in the umbrella freehold when in reality all you are is a shareholder in a company. So the differing company registration numbers are not one to overly concern yourself with as this is common practice.
Ok before I go on, you have my deepest sympathies, I have just completed my home cinema and can imagine the pain of unforeseen and frankly unnecessary delays such as this. I owe a lot to these forums as a noob they have helped me achieve AV Nirvana in my home, but always felt that I wasn’t available to offer others advice in the world of AV, this is where I can make a difference, I am a chartered management surveyor and in the early parts of my career I managed these types of properties and have come across this kind of situation many times and can advise on the remedies available to you. I manage an entire estate for a London university at the moment so may be a little rusty.
First of all you need to contact the people you pay your maintenance charges to and get them to get someone out ASAP to ensure the roof is water tight. It is as mentioned correctly before the freeholders responsibility to maintain the external structure, and if it is not water tight they are in breach of their maintenance obligations. However, they will argue that the leak was unforeseen and the result of storm damage and could not reasonably have been foreseen and that the buildings insurance covers for storm damage thus they have not been in breach. At this point if necessary I suggest you insist on an independent expert of a building surveyor which you will pay for to give his opinion as they are not experts. If they do not get some one round to make the roof watertight, you have to allow a reasonable time, I would say that if a contractor is not around in 24 hours, that is reasonable enough, and threaten that you will call them and send the bill to the management company.
Unfortunately, after the roof has been made watertight you are at the mercy of the insurance company. The question of excess always arises and I suggest the excess is paid by the maintenance company, they will insist on you paying. You will be covered for the damage I am sure as the landlords main responsibility to the tenant in a lease is to maintain buildings insurance and most leases make provision for that to be maintained with a company of good repute, and you cant argue with such a blatant breach as not paying the insurance premium. The usual practice is the appointment of a loss adjuster who will take the damage into account and agree on a settlement. They will at that time insist the roof is repaired to a reasonable standard as they wont want to continue to pay the costs of damage. You will get the majority of costs back less the excess, you may want to make a start and get the property repaired and you can instruct a builder, hold on to your receipts and claim back from the insurers, this does not always work in practice and it will be better to wait for the loss adjuster, you will have to wait for the property to dry out anyway before you can make an accurate assessment of the remedial repairs required, it may not be as bad as you think once dried out, I hope not, I really loved those in ceiling speakers, if they are damaged they will of course be covered.
If you want to be proactive, I would suggest get some quotes from reputable builders for the repair in readiness of the instruction of a loss adjuster.
If you want to make a real difference to the way your properties are managed, I suggest you become a director, this will have to be done at the next AGM and you will have a say as to what and how maintenance money collected is spent on. You are well within your rights to make an application to the current directors.
You could go to the press, trading standards, however, but in my experience if the damage was the result of rain, the freeholders are covered as they will always argue that they have no control over the elements, and it will not make the insurers work any faster.
The legal spiel is as so, the landmark case in this regard goes back to the fundamentals of Tort and Negligence, the case of Rylands V Fletcher were Lord Aitkin (or someone going back to basic land law days at Uni) created the “Neighbour” principle. The case was basically a neighbours land was flooded due to the negligence of the neighbour, and the question was that who in common law can be referred to as my neighbour? and I believe it was Lord Aitkin who said “any one you can reasonably foresee will be affected by your actions”
I cant be to specific in your case as im sure you appreciate, but the case for negligence is as so, ask yourself, could they have reasonably forseen and prevented the damage, if the answer is yes, then they are negligent.
Apologies, tried to keep the above as short as possible and hope it helps, I don’t have internet at home and am doing this at work, im here to about 7ish tonight if you need any further help, I hope it all gets sorted for you, the room was looking very impressive.
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