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?