What a disaster!!

[jjacks]

Just had a phone call from our solicitors in the Port. There has been a major leak in the apartment above us that has come through to ours and then to the ground floor. Trying to deal with the insurance company as we speak - so much bureaucracy and red tape. Can't seem to get them to understand that we need someone to go in and assess the damage. Any advice from owners would be very much appreciated at this stage. We are not due out until 6 July and I am not at all sure if we will be able to stay in it.

 

[PP76]

Just had a phone call from our solicitors in the Port. There has been a major leak in the apartment above us that has come through to ours and then to the ground floor. Trying to deal with the insurance company as we speak - so much bureaucracy and red tape. Can't seem to get them to understand that we need someone to go in and assess the damage. Any advice from owners would be very much appreciated at this stage. We are not due out until 6 July and I am not at all sure if we will be able to stay in it.

We had a leak during the winter and I got Mick Cadwell, Cadwell Developments to firstly assess the damage before I spoke to the insurance, he later did a wonderful job.
Best Wishes PP76

 

[GrandeMimosa]

check your pPrivate Messages

 

[jjacks]

We had a leak during the winter and I got Mick Cadwell, Cadwell Developments to firstly assess the damage before I spoke to the insurance, he later did a wonderful job.
Best Wishes PP76

Many thanks for this PP76. AFter I have a clear idea of what is going I I will contact him.

 

[jjacks]

check your pPrivate Messages

I have sent you a reply

Regards

JJacks

 

[Molt de Renou]

Surely your solicitors should be dealing with this.

In theory, your insurance broker should be notified immediatley and they in turn should notify their perito ( damage assesor ) who will then tell the insurance company how much they estimate the company can claim from the company who insured the property which caused the damage.

I would highly reccommend not replacing or repairing anything before this has been done.

If there is any dispute about amounts to be paid etc, let the companies fight it out between themselves.

 

[lollipop]

Do you live in a community with an administrator. They will help.

 

[jjacks]

Surely your solicitors should be dealing with this.

In theory, your insurance broker should be notified immediatley and they in turn should notify their perito ( damage assesor ) who will then tell the insurance company how much they estimate the company can claim from the company who insured the property which caused the damage.

I would highly reccommend not replacing or repairing anything before this has been done.

If there is any dispute about amounts to be paid etc, let the companies fight it out between themselves.

We have contacted our insurance company and asked them to liaise with our solicitors.

 

[jjacks]

Do you live in a community with an administrator. They will help.

I have emailed the community administrators for their advice, but haven't heard back yet.

 

[Lorenzo]

When something similar happened in our block, the managing agents (in our case Siquier Gestions) sorted out a lot of the problems, using a plumbing company they had on call & also contacting the owners of the apartment above.
In some cases pipework in a block of apartments can be deemed as the responsibility of the block's Community and therefore it is a matter for the Community's insurance.
It's always a good plan to try to get someone to take photos of all the damaged areas each week so you have a good record of proof.
I do hope you get it all sorted out quickly & that all is well for your next visit.

 

[jjacks]

When something similar happened in our block, the managing agents (in our case Siquier Gestions) sorted out a lot of the problems, using a plumbing company they had on call & also contacting the owners of the apartment above.
In some cases pipework in a block of apartments can be deemed as the responsibility of the block's Community and therefore it is a matter for the Community's insurance.
It's always a good plan to try to get someone to take photos of all the damaged areas each week so you have a good record of proof.
I do hope you get it all sorted out quickly & that all is well for your next visit.

Hi Lorenzo, We are due out on 6 July for 3 weeks but really would like to get a plan in place before then. Our solicitors have the keys and I am hoping they can be called upon to liaise with all the relevant people. I will ask them if they can take some pictures of the damage. I was so looking forward to coming out for our very first visit in our own place. It kind of takes the excitement away.

 

[Molt de Renou]

We have contacted our insurance company and asked them to liaise with our solicitors.

My opinion is that it should be the other way round.

 

[Molt de Renou]

When something similar happened in our block, the managing agents (in our case Siquier Gestions) sorted out a lot of the problems, using a plumbing company they had on call & also contacting the owners of the apartment above.
In some cases pipework in a block of apartments can be deemed as the responsibility of the block's Community and therefore it is a matter for the Community's insurance.
It's always a good plan to try to get someone to take photos of all the damaged areas each week so you have a good record of proof.
I do hope you get it all sorted out quickly & that all is well for your next visit.

My understanding is that the community insurance only covers the pipework and drains that go from the meter or meters to where it enters or exits the property.

Anything before the meter is covered by the service supplier.

It is also worth poining out that not all policies cover the damage which occurs due to a leak in your own property, only covering damages caused to third parties.

 

[Molt de Renou]

Without trying to sound too pessimistic, try and find out what actually caused the damage, in other words, was it due to a tap being left on or was it due to a corroded water pipe.

It it was a tap, you are in luck. If it was a corroded water pipe, expect sooner than later for the same thing to happen to you if the previous owners didn´t change them since the building was first built.

 

[jjacks]

Thank you everybody for your help and advice - I really do appreciate this forum. Things are moving in the right direction. Apparently the damage is not too bad in our apartment, so we will follow up again tomorrow with the community administrators, insurers and solicitors.

Will keep you posted.

Jan

 

[alcanadakid]

We had a water leak when two pipes burst in the loft in our UK house and run for 10 days while we were in Thailand.

I appreciate you are in Mallorca, but the purpose of my post is to advise you not to finally settle with the insurance company too quickly. Water seeps and gets to hidden places and the damage only materialising much later. In our case it took two months for one room to show damage which then became significant. Also remember that concrete floors absorb vast amounts of water which take a long time to be expelled. In our case it took 11 weeks with massive fans and dehumidifiers going 24/7. The walls dried quite quickly (5 weeks or so) but the floors took the longest time.

After 6 months we had a happy ending as LV rebuilt our house to the latest spec and effectively we had a brand new house. They paid for a nice rental too.

 

[Pina]

jjacks

Hope everything turns out OK, such bad luck.