Sinead Campbell from Flar Living Insurance explains the regulations pertaining to lifts in residential settings and outlining the steps you can take to ensure the longevity of your lift. Most block managers oversee a lift or two and will be fully aware of the issues caused by any outages. Many residents rely on lifts as …
Leaseholder Rights in Mixed-Use Buildings: Navigating the Challenges
Sinead Campbell from Flat Living Insurance looks at the challenges of leaseholder rights in mixed-use buildings. Mixed-use buildings combine residential and commercial spaces, making their needs and challenges unique. Depending on the sort of commercial activity, number of residents, expected footfall etc, each building will require different maintenance plans and approaches to service charges. A …
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The Challenges of Insuring Cladded Buildings in 2024: Progress and Predictions
Sinead Campbell from Flat Living Insurance explores the current difficulties, the progress made so far regarding cladding remediation and government-backed interventions, and the outlook for 2025. The UK’s cladding crisis began in 2017, with the tragic fire at Grenfell Tower. The external cladding was unsafe and massively escalated the fire which killed 72 people. The …
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Common Challenges with Right to Manage and How to Overcome Them
Sinead Campbell from Flat Living Insurance explores some of the common RTM issues you could encounter and how to overcome them. Applying for the Right to Manage your building can be a great way to take control of building maintenance and the related costs. With this option, there is no lump sum to pay as …
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Legal Implications of Neglected Maintenance in Leasehold Properties
Sinead Campbell from Flat Living Insurance, explains the perils that leaseholders and freeholders should be aware of if either chooses to neglect their maintenance or cleaning responsibilities. Leasehold properties operate under an agreement between the leaseholder and the freeholder: leaseholders own their property for a set period while the freeholder owns the building itself and …
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Legal Implications of Inaccurate Reinstatement Cost Assessments
Sinead Campbell from Flat Living Insurance explains the legal implications of inaccurate reinstatement cost assessments for Residents Management Companies. Rather than basing coverage on the current market value of a property, a reinstatement cost assessment gives insurers accurate costings for the demolition, clearance and complete rebuild of a property. This figure (known as the “declared …
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Insurance Implications of Major Works
Sinead Campbell from Flat Living Insurance outlines what Major Works are and how they impact your insurance premium. Major works are aptly named. They often involve significant renovations or repairs such as roof replacements, structural alterations, or extensive refurbishments. They’re complex and costly, but necessary for the integrity of the building. Leaseholders must have their …
Health and Safety in Blocks of Flats
Sinead Campbell from Flat Living Insurance looks at the importance of regular maintenance for health and safety in blocks of flats and the impact on insurance. Regular and effective maintenance is the cornerstone of great property management. It is imperative for the sake of health and safety, investment protection and legal compliance. However, maintenance routines …