Hoping for some advice!
We own a flat which is in a mixed use building. The bottom is shops and the top is flats. The commercial bit is owned by a company and the flats are individually owned by occupiers/landlords. The company which previously owned the commercial part used a property management company to look after it. This management company sorted out the insurance for the whole building and all the individual flats paid a share towards it. Now the commercial part has been sold, and someone else now manages it. The new company isn't interested in dealing with the owners of the flats. But how do we sort out building insurance? Is it possible that the commercial property owners have somehow only insured the bottom part? Can we just get insurance for our flat? And how do we manage building maintenance that impacts more than just our flat? We are in Scotland if that makes a difference to the answers! Thanks 😊