· 4-minute read
Water through the neighbours’ ceiling: who pays for the repair
If the pipe burst in your flat, the neighbours’ repair is on you. Compulsory property insurance does not pay for it; a voluntary home policy does.
The first hour
- Shut off the water in the flat and, if needed, the power.
- Call the building’s maintenance service: they establish where the leak came from.
- Photograph the damage in both flats, have a report drawn up and sign it together with the neighbour.
- Call our claims line or report online within 3 working days.
Which insurance pays
Compulsory property insurance covers the building itself against the risks the law lists; it does not cover liability to the neighbours. Our home policy includes damage to the neighbours up to ₼5,000, and also pays for your own repairs and belongings.
An example
In Sabail a boiler pipe burst and ruined the ceiling and wallpaper of the flat below. The assessor came the next day; after 12 working days ₼1,870 was paid for the neighbour’s repair. The flat’s policy cost a little over ₼110 a year.
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