House Insurance

[gallac]

My flat has been flooded by an unoccupied flat above,the landlord of the flat says I should claim on my insurance and he will pay the excess.I feel this is wrong as it may increase my premiums in future and he should meet the full cost of his negligence.

[kjn2]

You have Insurance to cover problems like this phone your Insurance Company and give them the full details also informing them of what the landlord said, your premium should not increase as they will claim 100 per cent from your Landlords Insurance also ensure they claim any excess that you may have to pay.

[SirOracle]

The answer given by kjn2 is not completely correct.
Only if the owner of the upstairs flat has been negligent in causing the flooding,will he be liable for your damage.
However I agree that you should contact your insurer and let them handle matters on your behalf.
I notice that you state that the landlord has been negligent. Has he admitted this to you? What caused the flooding to occur?