Can I make a second home insurance claim for council tax expenses?

  • by David
  • Sep 13,2017
  • 7 answers

I live in a ground-floor flat in England.
I purchased the property and was doing a complete renovation of the property. Not just a lick of paint etc, but rooms were knocked through, a mezzanine level was installed etc; so it wasn't just a few months of work. A few months into the work, the resident above me accidentally flooded her flat, which in turn flooded mine. All the work I had done was ruined and I practically had to start from scratch. The insurance paid out, but I didn't take into account just how much the disruption had set me back. As the property is still not occupied, and the delay has now pushed me further than expected, the local council are fining me for having the property empty so long. I explained the situation, but they couldn't help. It's now a catch 22 situation. I can't refurbish the property quickly because I'm now £150 month out of pocket in council fines, and as a result lacking funds for essential work; however, I can't simply move in and stop the fines, because the property isn't finished yet and/or at a habitable standard. Is there anyway I can reclaim the costs of the fines from through my insurance, even though the initial claim was settled before the fines were put in place?


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Insurance Answers (7)

car253 4 days ago

Wrong country. Please repost in your area.

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Girlie Electrics 6 days ago

No.
it's your responsibility to have used the first payout to get the refurb back to where it was before the flood.
So I can't see what would take longer than a couple of weeks to dry out clean water. PARTICULARLY since it wasn't inhabited.
"All the work was ruined" , does that include the previously removed walls sprouting again?
You should have factored the additional completion time in when deciding if to accept the insurer's offer.

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Skoda John 7 days ago

The insurance should have organised all refurb work and paid your out if pocket expenses.

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Tavy 7 days ago

Sorry I don't understand. if you have bought the property from the Council, then they have no say in it being occupied.
Did you stop paying council tax ?
This is still due whether you live in it or not.
UK
update. Did you have permission to knock through ?. did it have
planning permission, you are going to be in deep do do when the Council do an inspection, and no you cannot claim twice.

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DR + Mrs Bears face 7 days ago

As we cannot read your insurance policy we have no idea whether it covers that or not. If you cannot read your policy yourself you will need to contact your insurance company and ask them.

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A Hunch 7 days ago

If you were out for 2 years because of the flood, the insurance may be responsible for the council fine.
But the flood didn't displace you for two years, they wouldn't be responsible.
You can move in and do the work around you. That's not uncommon. I know individuals in multi-million dollar homes in Los Angeles who live in the garage for a year with a microwave while renovating their homes.

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Casey Y 7 days ago

This wouldn't be covered by your insurance claim...period.

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