31 Mar 2016 10:06 AM:

Thanks for all the input it's much appreciated. I can only go off what my insurers told me which is as the downstairs flat is experiencing the damage they should go through their insurers and claim liability from mine, if the problem derived from my plumbing. Im not sure if Spanish insurers are different  

For ease I think I will do the trace and access repairs through my my insurers as they have ok'd this and any other damage they will have to claim themselves. 

Thread: Leak in apartment

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30 Mar 2016 11:37 AM:

Thanks Acer this is just what I thought but trying to get the occupier and her insurance to understand this is a challenge. 

I will look into what the community insurance covers. 

Thread: Leak in apartment

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29 Mar 2016 7:12 PM:

Hi,

I am hoping I can get some advice. I own an apartment on the first floor and there is an apartment below. The occupier below has advised there is water entering their apartment and has assumed it is from my apartment.I contacted my insurance company (UK based) and they have advised they will pay for trace and access damage but not wear and tear or damage to the apartment below. The occupier below must claim  for damage from their insurer.

I had a plumber assess the situation and they have advised they cannot definitely confirm it is coming from my apartment unless they remove the ceiling from the apartment below. My problem with this is if it turns out not to be my apartment causing the leak I will be liable for this work.  My water is turned off yet there is still a leak going in to the property below.

I have been advised the occupiers below should claim off their insurance and if the damage has been caused by my property their insurance company should claim liability off my insurance company. Their insurers are a Spanish firm.

Has anyone had any experience in who should be claiming what when there is a leak potentially involving 2 properties?

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Thread: Leak in apartment

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