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Water has leaked into my surgery from the flat upstairs. Do I need to advise my own insurers or shall I just claim against the upstairs neighbours?

April 26, 2017advise claim flat insurers leaked neighbours shall surgery upstairs water

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Water has leaked into my surgery from the flat upstairs. Do I need to advise my own insurers or shall I just claim against the upstairs neighbours?

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You should notify your insurers of any damage to your property even if you think someone else may be responsible. Do not assume that just because the damage was caused by someone else that they are legally liable. The law allows for genuine and fortuitous events and also bear in mind that they might not be insured or in a financial position to pay for your damage.