Under our Management Agreement, Crabtree PM Limited are contracted to deal with claims affecting the
communal areas of the building only.
We do try to assist lessees where there is damage in their own flat by providing details of contractors we
have used in the past, providing the insurance policy details and pointing out how to report a claim.
Our claims guidance, in detail, is set out below:
What we will do
When a flat to flat leak occurs, our input is limited to assisting Lessees where there is damage to their
own flat by providing details of contractors we have used in the past, providing the insurance policy
details and pointing out how to report the claim.
Each party should deal directly with each other to identify and rectify the fault. Crabtree will assist in
the bringing together of both parties in line with data protection restrictions. Crabtree strive to assist in
opening the dialogue between the parties, not to investigate the cause of the leak.
What we do not do
We do not get involved in apportioning blame or fault. If the cause of the leak is not from a communal
stack pipe or other communal cause, the matter rests with the two Lessees concerned as to who should
pay the insurance policy excess.
Other information
As a general rule it is usually necessary to prove that a party has been negligent in allowing water to
escape from their property. However, this is purely a civil matter between Lessees themselves.
What we will do
When a roof to flat leak takes place our input is restricted to repairing the roof.
What we do not do
When there is damage to the Lessees own flat our input is limited to providing details of contractors we
have used in the past, providing the insurance policy details and pointing out how to report the claim.
What we will do
We will deal with the claim in accordance with our Management Agreement and the Lease. Any
settlements from the building’s insurers will be subject to the policy terms and conditions.
Policy excess
Almost all insurance policies have an excess. This is shown on the Insurance Schedule we provide at the
time the policy is renewed. You are responsible for paying the excess.
Other information
In some cases the insurance for your property is arranged by the Freeholder rather than Crabtree. If you
have any questions concerning the insurance or the excess, you should send your concerns to the Freeholder direct.
What we will do
Where there is damage in your own flat our input is limited to assisting you by providing details of
contractors we have used in the past, providing the insurance policy details and pointing out how to
report the claim.
If the damage is caused by a communal stack pipe or some other cause, which is the responsibility of
the Resident Management Company, Freeholder or other similar company, we will arrange for the leak
to be repaired.
What we do not do
We do not get involved in arranging repairs relating to your contents within the property. We do not
deal with claims from other flats affected by the same leak/cause.
You will need to obtain quotes to repair the area that was damaged in locating the leak and the
surrounding associated structural areas within the flat where the leak first occurred which were
damaged at the same time
© Copyright 2024 Crabtree PM Limited . All rights reserved.
Crabtree PM Limited is an Appointed Representative of St Giles Insurance and Finance Services Limited, Midway Insurance Service Limited, and Ferndale Insurance Services Limited. All three of these companies are authorised and regulated by the Financial Conduct Authority, with registration numbers of 311167, 303945 and 308161 respectively.
