Home insurance
Tenants, leaseholders or any member of the public can make an insurance claim for compensation if they feel they have sustained loss or damage due to negligence by your housing management service or our contractors.
Negligence would be something we have done or failed to do which has caused the loss or damage.
Submit a housing insurance claim
What happens when we have received the form?
When we receive the completed form we will need to carry out an inspection to gather further information relating to the claim. If the claim is against one of our contractors we will forward the information to the appropriate contractor for consideration by their insurers. If the claim is against your housing management service, then we will forward the form with any relevant information we hold to the council’s Insurance Team.
Whilst all claims will be fully considered, compensation is not guaranteed. Also, compensation is only paid in circumstances where there has been negligence, which means that the loss or damage has been caused because of something Tower Hamlets Council or our contractor have done or not done.
We do not insure home contents such as furniture, belongings or decorations. Therefore, tenants and leaseholders are strongly advised to take out their own home contents insurance. To help with this, we have teamed up with Thistle Tenant Risks who offer low-cost, contents insurance cover. Further details about the scheme can be found below.
Any claims for personal injury due to negligence will be sent to the council’s Insurance Team for consideration.
Tenants and residents do you have Home Contents Insurance?
Why do I need it?
As your landlord we cover the buildings insurance for your home but you are responsible, under the terms of your tenancy, for insuring your contents. It’s always a good idea to shop around for a policy that will give you the cover you need.
Home contents insurance isn’t compulsory, but it is a good idea to consider what a policy would cover you for. Home contents insurance can help protect your belongings from risks like fire, theft, water damage, and many more household risks, giving you peace of mind.
What does contents insurance cover?
Thistle Tenant Risks offer the Crystal Insurance Scheme, designed specifically for residents in social housing. All our residents can apply. This policy can cover:
- furniture
- carpets
- curtains
- clothes
- bedding
- electrical items
- pictures
- ornaments.
Terms and conditions apply. For details, contact Thistle Tenant Risks or visit Crystal Insurance.
For more details or to get started, you have a few options:
You can also call our Insurance Team on 020 7364 6568.
Leaks from another flat
If you experience a leak from another flat, tell us as soon as possible. We will investigate and take the appropriate action to stop the leak.
If the leak is coming from a tenant’s flat, we will arrange for the repair to be carried out to stop the leak. If the leak is coming from a leaseholder’s flat, we will contact the other leaseholder and ask them to carry out the necessary repairs.
In some circumstances where there are leaks between two leasehold properties, the leaseholder may be able to make an individual claim on the building insurance policy to cover damages to any ceiling or wall decorations caused by the leak.