 |
Housing |
| Torbay Council | |
| Pearl Assurance House 101 - 107 Union Street Torquay TQ1 3DW | |
 |
housing @torbay.gov.uk |
 | 01803 208723 |
 | 01803 208282 |
| Additional Contact Details | |
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Insurance Claims Against the Housing Association
- How do I make a claim?
- Where can I go if I have suffered a fire or flood and I have to leave my home?
You will need to contact your insurance company directly if you need to make a claim. Some will operate a 24 hour emergency service.
Housing Association tenants may make insurance claims against the Housing Association for any damage that the Housing Association causes to the tenants' possessions, or injury to the tenant or members of their family.
As an example, if a Housing Association tradesman were to hammer a nail into the wall and inadvertently burst a pipe which resulted in the floor being flooded and ruining the tenant's carpet, the Housing Association would be responsible for the cost of replacing the carpet as clearly its action has been negligent.
However, there are a variety of other issues for which the Housing Association may not be negligent. For example, if there is a particularly bad storm which lifts a tile off a roof and as a result water comes through the roof, through the ceiling and damages a bedroom carpet, the Housing Association would claim that it has not been negligent as it could not have prevented that from happening. Under such circumstances the Housing Association would seek to reject any such claim.
If you are unsure about whether or not you could make a claim contact your Housing Association.
Where can I go if I have suffered a fire or flood and I have to leave my home?
If you rent your home from a Housing Association, you should contact them in the first instance.
Anyone who has suffered a fire or flood should check their home contents insurance to see if it covers the cost of temporary accommodation while repairs are being carried out to their home.
If your home is uninhabitable and you have nowhere where you can stay temporarily with family or friends, you should contact our Housing Needs Team for advice.
Our contact details can be found on the right hand side of this page.
See our homeless prevention page for further information.
Related Documents
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