Leaseholders residing in listed buildings face unique challenges when it comes to securing the right insurance.

Darren Bagnall discusses the steps that RMCs must take to ensure that all premises, machinery and equipment are maintained.

When it comes to insurance, it’s no secret that premiums have been creeping up in price.

The Cladding Crisis is a multi-faceted issue with safety and financial concerns front and centre.

Index Linking (also known as Indexation) is “the adjustment of an asset’s value to reflect inflation and deflation”.

A generally tougher attitude to risk and pricing across the breadth of the insurance market has pushed us into a ‘hard market’.

Darren Bagnall of Flat Living Insurance details your responsibility to make a fair presentation when you arrange your flats insurance in 2022.

Have you ever looked at your insurance renewal documents to find your Buildings premium has risen well beyond inflation?

Darren Bagnall of Flat Living Insurance highlights some of the key listed building insurance terms used and explains them in plain English.

Belinda Thorpe from Residentsline, discusses the need to ensure a listed building is insured appropriately.

Darren Bagnall of Flat Living Insurance explains how choosing the best protection for your property is vital.

JB Leitch’s Philip Parkinson and Katie Edwards (Legal Director and Associate Solicitor respectively), discuss how Georgian legislation on fire safety established a time-honoured approach to insurance, repair & reinstatement.

Darren Bagnall Managing Director of Flat Living Insurance investigates the risks to Residents’ Management Company Directors whilst performing their duties.

The team at Block in a Box discusses the steps that RMCs must take to ensure that all premises, machinery and equipment are maintained.

Sinead Campbell of London Flats Insurance discusses what insurers look at when they are calculating your insurance premium and what you can do to get a better price.

Belinda Thorpe, MD at Residentsline Flats Insurance, explains what policies are available to ensure your block has adequate cover in place.

Sinead Campbell, of London Flats Insurance, discusses the Insurance needs for blocks of flats.

Sinead Campbell of London Flats Insurance discusses the development of their insurance products.

Belinda Thorpe, Managing Director of Residentsline, discusses the importance of health and safety standards and your responsibilities.

Simon Tye, Legal Adviser at LEASE, shed some light on this sometimes complicated subject.

Sinead Campbell from London Flats Insurance explains the importance of Engineering Inspection and Insurance.

Katie Edwards and Phil Parkinson of JB Leitch, provide a cautionary tale for landlords on the need to provide communication with insurers.

The Clear Building Management team tackle a question of whether the freeholder insist we use their buildings insurance for our block?

Sinead Campbell from Residentsline provides us with a short quiz to test your team’s insurance knowledge.

Daniel Cheesman, Associate at ARDENT Lift Consultancy, walks us through the responsibilities of owning or operating a lift.

Charles Jamieson, experienced Legal Executive at Bishop & Sewell, advises us on how to make sure we’re covered.

Belinda Thorpe from Residentsline Flats Insurance provides a guide to insurance to help you check that you have the right cover in place.

Belinda Thorpe, Managing Director at Residentsline, discusses the very topical subject of insurance and storm damage.

Belinda Thorpe, Managing Director at Residentsline, covers some of the questions that are regularly posed to her and her team.

Belinda Thorpe, Managing Director at Residentsline, looks at what 2020 has to offer when it comes to insurance.

Belinda Thorpe, Managing Director at Residentsline, talks us through the threat that Cyber Crime poses to those in the industry.

Belinda Thorpe, Managing Director at Residentsline explains how failing to maintain your block may affect your insurance.

Belinda Thorpe of Residentsline advises who is responsible for property insurance and what to do if you aren’t happy with the choice.

Belinda Thorpe, Managing Director of Residentsline looks at the key requirements of gated estates and communities.

Belinda Thorpe, Managing Director of Residentsline explains why choosing the right insurance broker is so important for you.

Paul Robertson from 1st Sure explores some of the dangers of varying the insurance covenant when granting a lease extension.

Paul Robertson looks at the implications of new insurance regulations which come into effect on the 01 October.

Paul Robertson explores how insurance policies can fall foul of section 20 which is particularly relevant given the recent Corvan ruling.

Paul Robertson explores the difference between an insurance claim and maintenance with an extract from his book which looks at two examples.

Paul Robertson kindly reproduces some extracts from his book looking at how the policyholder can make a complaint.

Belinda Thorpe advises on some of the recent questions received at Flat Living.

This month Paul Robertson looks at how to make a complaint about an insurance company and who is eligible to do so.

Have you ever considered what Insurers look at when they are calculating your premium or what you can do to help keep the cost down?

Buildings Insurance covers the cost of repairing or rebuilding your apartment and communal areas if they are damaged.

Buildings insurance is one of the main and highest value items in the service charge but also one of the most important item.

If your block is unable to obtain insurance that includes flood cover, it will become difficult to obtain a mortgage.

It is often a requirement in a lease for the landlord to maintain a comprehensive building insurance policy.

Ian Hollins of Clear Building Management offers advice to leaseholders and RMC directors struggling with spiralling insurance costs.

Possibly one of the most controversial subjects in flats insurance is the issue of commission and to whom it is payable.

Insurance is all about protection; safeguarding your property, your assets and your leaseholders if something unexpected happens.

Insuring a block of flats or a building converted into flats is very different to insuring other types of property.

You probably wonder when you ring around to review your insurance renewal terms why premiums vary so greatly for the same block.

Our essential guide to insurance will help you check that you have the right cover in place before the worst happens.

Paul Robertson explains how finding your block is unable to insure against perils such as flood can affect your service charge.

How you would feel if, whilst fulfilling your duties as an RTM director, you are faced with the prospect of having personal assets at risk.

Belinda Thorpe, Managing Director of Residentsline provides us with what we need to know about these sometimes overlooked insurance products.

Today, somewhere in the world, an act of terrible violence is likely to be committed. Tomorrow, it could happen here.

Belinda Thorpe explains the two methods used by Insurers to protect policyholders from the effect of inflation during the period of cover.

Flat Living Magazine provides explanations to some of the most common terms and phrases in block insurance terminology.

In this Advice Note, well take a look at your legal rights when it comes to insuring your block.

Insuring a block of flats or a building converted into flats is very different to insuring other types of property.

When a Residents’ Management Company (RMC) engages a contractor to work on its premises there will normally be agreed terms.

You probably wonder when you ring around to review your insurance premium why you are given so many different premiums, for the same block.

Whether you employ anybody is a question probably posed at many Residents’ Management Company (RMC) meeting.

Imagine whilst fulfilling your duties as an RTM director, you are faced with the prospect of all of your personal assets being at risk.

If your premises contain lifts and/or boilers and/or electrical or electronic machinery, cover is available to protect your RMC.

A new Insurance policy “Lessees Fixtures and Improvements” covers accidental loss or damage to leaseholders’ fixtures and improvements.