[Closed] helping a neigbour

Not any more. She's moved in

Thanks for clearing that up
So, what's the problem again? Andy seems to have his wife back and it's not his house that's flooded.
I think we've sorted it guys!
/thread

Car's still broken though......

Is the car flooded as well?

Sorry I missed that bit.

did i mention she was a single Muslim lady?

I assume the Daily Mail are on their way?

Yeah, I think it was the neighbours wife that did it.

In the conservatory. With the plastic pipe.

did i mention she was a single Muslim lady?

I thought she was married, to you?

so is it a detached house or joined to OP's? If it's joined I'd be getting your insurance involved asap

That's one big gas bill from the combi boiler

It won't dry out for months and will certainly neeed plaster pulling off, floorboards taking up.

Other alternative is just to use it as a swimming pool ?

so, who's Brian?

[i]Sorry I missed that bit. [/i]

it's a red herring.

[img] [/img]

Gary_M - Member
I thought she was married, to you?

Foreigners innit, wives everywhere!

so, who's Brian?

These were the exact last words of an unfortunate zebra who was a little hard of hearing.

Gary_M - Member
I thought she was married, to you?

No thats my wife, she isnt her wife. I dont know if she has a wife or not really.

Is there a party wall OP?

detached.

But weve got a nice hedge if that helps?

detached.

Sorry to hear that. We say "consciously uncoupled" these days.

To be honest, you might be better off. Your relationships seem really complicated.

Sell to tickets to a Florida Themeworld Experience.

so back to it, the general jist is to leave her to fester in a wet house?

So you have basically described the start of a cheap dirty movie.

Yeah that'll do or, if you really want to be nice about it, dump her on her family

Nowt dirty with all that water.

[i]cheap dirty movie[/i]

expensive and clean in the OP's not wife's case.

Sorry to hear that. We say "consciously uncoupled" these days.

Genuine LOL!!

Is there a party wall OP?

Or a disco lift?
[img] [/img]

Does she own the house or is she renting it?

If she owns the house but has a mortgage, then the mortgagee will have required her to have buildings insurance cover, even if she has chosen not to insure her contents.

If she has buildings insurance cover, then it is likely that the policy includes cover for alternative accommodation where the house is rendered unhabitable as a result of an insured peril, such as flooding or escape of water.

The buildings insurer needs to be contacted straight away, since delay may increase the damage to the house.

[i] the mortgagee will have required her to have buildings insurance cover[/i]

but after the first year our mortgage company have never checked we renewed?

If she owns the house but has a mortgage, then the mortgagee will have required her to have buildings insurance cover, even if she has chosen not to insure her contents.

and when was the last time your mortgage company checked...

You should probably turn the water off as soon as you can. It's only making it worse.

If it's Bristol area, I have some furniture and misc electrical items that could be donated.

Cant there be some STW DIY SOS moment.

I'd take advantage of the opportunity, go in through her backdoor and paint it white. She may even be grateful in the long run.

Cheers redthunder but i think that
a) its in huddersfield
b) she'll need somewhere to put stuff that i dont think she has.

Ill give her a nice calm talking to tonight.

Interesting about the mortgage and insurance - I've just taken out a new mortgage and it was never mentioned (I insured it anyhow but no one has ever asked to see proof).

No worries. Andy.

Just a thought, hope it pans out for her 🙂 and you.

Well done and bonus Karma points for you.

but after the first year our mortgage company have never checked we renewed?

Typically the mortgagee will require the insurance company to 'note their interest' on the policy. This means that any large insurance claim payment should not be made to the policyholder without checking with the mortgagee first (to stop people with a high loan to value doing a runner with the money), but I suspect that there are also checks whereby the insurance company will tell the mortgagee if the policy is not renewed.

a plastic pipe to the hot water tap upstairs and fed by a combi boiler (ive never had one of these) has broken

Which raises the possibility that she may be able to sue the builder/plumber concerned if it can be shown that they were negligent, e.g. the fitting was not properly secured or the wrong type of fitting/pipe was used. If she has buildings insurance, then the insurance company or their loss adjuster would investigate that and do the work to get their money back. If they were successful in doing so, then that should virtually guarantee that she could also then claim against the builder/plumber/their insurer for the loss/damage of her own contents, although that is obviously going to be a slow process.

Not sure what I should be doing in this situation, if anything?

Interesting about the mortgage and insurance - I've just taken out a new mortgage and it was never mentioned (I insured it anyhow but no one has ever asked to see proof).

The banks and building societies used to be very hot on ensuring that there was buildings insurance cover, although in part this was also at one time a ploy to try to get the mortgagor to buy their insurance from the bank's insurance broking division, so that the bank received the commission on the insurance. Consequently to some extent the requirement to supply details of an alternative insurance company to the bank and have their interest noted was an obstacle which helped deter mortgagors from choosing not to use the bank's insurance scheme.

However, there is a genuine risk for the bank if the house is destroyed by fire etc. It may be that the banks don't bother where the loan to value is so low that even if the house were destroyed, the outstanding loan would still be lower than the value of the land for rebuilding. Equally, it may be that some banks have decided to just chance it and not check any more that there is insurance, on the grounds that it is very rare that they would lose out as a result of the mortgagor not having insurance, and the rare losses would be offset by the saving in admin costs in not doing the checks.

Apart from all the sound advice, best thread for ages.

a) its in huddersfield

Just leave all the doors and windows open and the harsh winds will dry it out in about half an hour.

Interesting about the mortgage and insurance - I've just taken out a new mortgage and it was never mentioned

So have we and the chap at Natwest made sure we knew it was a condition of the loan. They don't check, no, but it's stipulated in the T&Cs

Hopefully the lady will have freinds family or workmates who can all muck in and help her, best not to get to involved, as sometimes that involvement may turn round and bite you quite nastily.

Tough but thats life nowadays, and thats from someone who always trys to help and sometimes the above has happened and ive been bitten.

Ill give her a nice calm talking to tonight.

And then a weekend at Centreparcs to make up for the back door destruction

Perhaps it's not as bad as it sounds.

Typically the mortgagee will require the insurance company to 'note their interest' on the policy.

How is this possible as the insurance is a contract solely between the home owner and the insurer? The requirement to have insurance is a contractual agreement between the mortgage lender and the home owner. There is no relationship whatsoever between the insurer and the mortgage company.

I've never been asked to provide proof of insurance to the mortgage provider, nor have they asked.

Perhaps it's not as bad as it sounds.

Noting an interest makes it a part of the mortgage companies business. Some insurance companies ask if there is another interest, some mortgage companies insist on being made an interest, many of both do neither..