what does a Landlord have to provide, legally?

[Marie]

In an unfurnished property does the landlord HAVE to have insurance cover for buildings/Gas Central heating/boiler?
In the event of a breakdown of heating, what is acceptable amount of time before repair? In the event of buildings damage, the same question?

Many thanks for any input and knowledge!!

[ummmm]

It depends on the mortgage.

[Marie]

Oh really? then I will have to find out as I don't know that! Thanks

[ummmm]

When I got my mortgage I had to have buildings insurance.

I don't think you HAVE to have contents or to cover boilers etc. In the event of a breakdown I suppose it would depend on the time of year. It would need to be fixed ASAP though.

[hc4361]

Has the landlord got a mortgage?

[hc4361]

Useful info here:

http://www.accommodat...epairObligations.html

[Marie]

Thanks all hc4361...very useful!!

[jedimistress]

There is no compulsary insurance for a landlord to have.

[Dris]

hmmm -we have just rented out a flat and have been told that we must let our Building Insurers know.Its the tenants responsibility to have contents insurance (obviously).
However we are in a major dispute with the Insurance company-we have them almost on the back heel and I dont want to rock the boat by advising we are now renting in case they clutch at straws-very difficult situation.Sticky wicket time although we arent duping anyone.
In your situ I would have Building Insurance and advise you are the landlord.

[themas]

I not certain, but I don't think there is a legal requirement for a landlord to have buildings insurance. However, any property owner in his/her right mind would make absolutely certain they did have it because if they didn't & the property burnt down they would lose everything.

A lot of tenanted properties are in blocks of flats. In that case, the management company responsible for the block generally has buildings insurance for the whole block. The individual flat owners would not have this insurance but have a right to ensure the management company obtains it & keeps it up to date.

[muchlovex]

I rent a few 3 properties and it is part of the condition of your mortgage that you have building insurance.

If any of my tenants report a breakdown of heating then I sort it out straightaway. I wouldn't have any of my tenants wait for a boiler repair.
Acceptable amount of waiting time for a repair does depend on what the problem is, really. Although, if it's something that I am responsible for then we generally sort it out within a few days.

Re Buildings damage it's best to sort out any issues asap.

Good luck. Muchlovex