CouncilInsurance & liability claims
As a landlord, the council is responsible for insuring its council dwellings. However, the council does not insure any of the contents that belong to the tenant or leaseholder.
The council is only liable for damage sustained where it is proven that we have been negligent, and failed in our statutory duty.
1. Building insurance
What should I do if my building is damaged?
Leaseholders should pursue all building damage claims via their building insurance. You can find more details in the summary of cover sent out to all leaseholders.
How do I make a claim?
Claims should be phoned through to the councils insurance section, located in Mulberry Place, telephone 020 7364 4741.
Potential claims should be reported as soon after damage has occurred as is practical, as there is a 60-day grace period for submission of claims.
2. Contents insurance
As a leaseholder, you are encouraged to insure the contents of your property with an insurance company of your choice. The council has a recommended broker for contents cover (leaseholders only). Enquiries to – Jardine Lloyd Thompson – 0845 408 233.
3. Liability claims
Council tenants or leaseholders may make insurance claims against the council for any damage to their possessions, or injury to themselves or members of their family if they consider the council has been negligent.
How do I make claim for damage to my possessions?
Contact your local housing office immediately following the incident. You will need to complete a claim form. A housing officer may need to visit your home to assess the damage. This allows for damaged items to be seen first hand prior to items being disposed of.
It must be emphasised that all claims are subject to investigation and that there is no automatic right of being awarded compensation. Receipts or replacement estimates will be required for the payment of successful claims.
How long will it take for my claim to be processed?
Claimants are advised soon after the conclusion of the investigation whether their claim has been rejected or is for settlement.
How do I make a personal injury claim?
Personal injury claims should be made in writing to the council’s insurance section based in Mulberry Place. Alternatively you can ring 0207 364 4751 for a claim form to be sent to you.
The council’s claims team investigates all personal injury claims, gathering essential information from the appropriate departments. All of the correspondence along with our views on liability is then passed on to our insurer Zurich Municipal, to handle the claim.
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