Kitchen pipe underneath sink has sprung a leak in my tenant’s absence. Considerable damage done.
Tenant has not been at flat for several months because of Covid, and will not be there for rest of year. His cleaner is contracted to go there every two weeks. (I checked this in March and Freeholder’s buildings insurers said this was sufficient to maintain their cover.)
No suggestion of frozen pipes from plumber. He has confirmed thermostat set at 20 deg C.
Q1. Whose liability – mine?
Q2. Tenant’s cleaner confirmed to me she had visited flat fortnightly and had seen no evidence of water leak last time she was there. However, damage is extensive: Plumber’s video shows flooring lifting and bouncy from kitchen across hallway. Skirting board coming off. About 2 sq foot of wall stained, including black marks which look like mould. Base of K unit affected.
Do you think that level of damage could develop in under two weeks?
Q3. Should this be buildings insurance or contents insurance claim?