Water damage?

[nicolab6]

Hi - can anyone help me?
An old lady I know rents a flat above a shop. Last week she left the kitchen tap running and fell asleep. We're not sure how long for, but her kitchen was flooded. It was cleared up, but the next day the owner of the shop (her landlord) rang the bell, took her down to his shop and the water had gone through the ceiling, the ceiling tiles had all fallen down and much of his stock was damaged.

Where does she stand, she has no insurance, but can he claim on his?

Thanks in advance... Nicky

[JackDanielsU]

She wouldnt need insurance for buildings....just contents

So any damage to the property would be the responsibility of landlord.

The fact the shop below was also damaged doesnt really complicate anything. He'll have seperate insurance on that. If they want to recoup any money, they'll goto the insurers covering the flat - if he doesnt have landlords cover...then its his fault, and his fault alone if he loses any NCD