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Herbert Said:

how do i know if the repairs needed to my roof will be covered by buildings insurance?

We Answered:

ask your insurance people

Eddie Said:

continuation to buildings and contents insurance for a standalone garage.?

We Answered:

Marion- are the garages generally owned by people in your block of flats?

Reason i ask is that if that is the case - the Managment Company who insure the flats would be in a good position to insure the whole garage block as well?

Sorry- it's the only possbile solution i can think of for you.(deosn't necessarily mean there isn't another solution)

Gordon Said:

I am looking for a buildings insurance for a residential standalone garage I would like to purchase for £15K.

We Answered:

I know of a broker who may be able to help, as he has access to a pretty specialised insurer who may well write this.

If you want the info, email me xx

Kim Said:

What does the term "index linked" mean when used with buildings insurance cover?

We Answered:

Index linked normally means that the maximum amount the insurance company will pay for the complete rebuilding of your house if it is destroyed (most often by fire, but it could be a gas explosion or other accident) is linked to an index.

The most common index in the UK is that of the Royal Institution of Chartered Surveyors rebuilding cost index, as in a previous answer. But it might not be, and your policy document will tell you what the index is. It could be the CPI or RPI but most insurers in the UK stick to the more specific index of the RICB.

Your premium is not linked to this index. The insurer will decide what premium to charge each year, and this depends on a lot of factors, one of the most important being competitive pressure. Your premium could go down even if the sum insured has gone up.

Joy Said:

My windows are causing dampness to my neighbours below. Should buildings insurance cover this?

We Answered:

The only way your windows are causing dampness to anyone below is if they are leaking an or not properly sealed any longer, allowing water our moisture to come in and down through the wall to the residents below. Normally if this was happening you would notice some bit of extended water damage to walls and or floor.

Insurance should cover damage to anyone property as a direct result of you our your proprty causing the damage to there property. However, insurance normally isnt designed to get you new windows because there causing water or moisture to leak into the residents dweeling below.