insurance claim

[jkz]

My property is council owned however l had a water leak from old tank and have put a claim in to the council due to the fact they should of replaced this in 2005 they are saying l have to make a claim against my own home contents insurance (Which l do not have) as they are will only paid a max of £50. Should they have insurance cover to cover for damage done by them? As if l had home insurance would they pay out for damage done from outside workers?

[buildersmate]

No, the council does not have to have insurance against negligence. Then again, just because they don't have insurance does not preclude you from taking action against them for negligence. It just means that, should you win, the damages would have to come from the council coffers, not their insurer.

To win with this, you are going to have to demonstrate negligence on the part of the council - presumably because they left an old tank in situ in the property that corroded through and leaked. You are probably best approaching the CAB to see if they can help you prepare a letter to make the case for your claim.

[jkz]

thank you Buildersmate for your reply to my question re: insurance claim much appreciated