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Buildings Insurance


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New one on me. 2 properties in a converted house. Ground floor owned by freeholder, 1st floor owned by leaseholder. Leaseholder made a claim under the freeholders buildings insurance and received a payment from the insurers, less the £100 excess. Is it reasonable to expect the freeholder to contribute 50% to the excess lost by the leaseholder making a claim on the freeholders policy? IE should both freeholder & leaseholder bare the excess burden, not just the leaseholder?

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