To ask our neighbour to pay full fix costs of her leaky chimney?

[grumblinalong]

We have had patches of water appear on the internal landing wall of our house after heavy rain last m

Call Environmental Health. I had a severe and persistent leak in the kitchen from my neighbour's faulty plumbing. I didn't think they'd deal with it because we're both private properties. But they considered it a health hazard and they made her fix it. It took a bit of time.

It might be the same for you.

As valiumredhead said, although you're not covered for the repair of the chimney which has allowed water to penetrate, you should still be covered for the damage which has resulted IME.

Not according to the insureres though as the redecoration etc is maintainance. god what a mare...

Hmm, I would have a good look at your policy wording because that sounds as though they may be trying to dodge your claim.

I actually think the insurers are wrong about the damage to your property since the maintenance issue seems to be the neighbours. I mean the neighbour hasn't maintained her chimney but your property is damaged so I think you shouldn't be covered. I wouldn't accept there first answer on this and would try to put some pressure on your insurers. Also get some legal advice - the Citizen's Advice Bureau should be able to help, if you call them now they might talk you through it this afternoon.

Sorry I think you should be covered.

You could also try posting on legal - although I think you have a few lawyers on this thread already!

We have just had the same problem fixed in one of our properties. I can be very simple that the chimney is not properly capped this can be done quickly and easily by a man in a cherry picker we had two chimneys done for £225 pounds (no shared wall for us). Once the cowls are on the wall dries out we have had no need to replaster and a quick lick of paint is all it needed. So may not be nearly as bad as you thought.

I am surprised. I was under the impression that if damage had been caused to your property by someone else, then you could claim on their insurance for any damage.

Hecate I think your insurance does that, not you personally, otherwise no one would have their own insurance we'd all be claiming off other people's

fair enough. I thought it worked like car insurance, you know? have an accident that's your fault - your insurance forks out. Get rear ended - their insurance repairs your car.

so water damage to your property caused by fault on neighbours property - their insurance forks out. water damage to your property caused by fault on your property - your insurance forks out.

I've already confused myself. I know nothing about insurance, clearly

How did this work out, because I'm having an identical problem? My neighbours chimney needs repointing and lets in rain and is causing damp on our wall but she won't do anything about it. I've tried citizens advice who weren't much help.