Building insurance for Tyneside flats.
Hello all My building insurance renews every January. My broker now tells me that where you have a single Tyneside flat but don’t own the pair (whether that is the lower or the upper flat), you are legally responsible for insuring only the property that you hold the freehold for…ie - the flat you don’t own. Meaning you have to liase with the owner of the other half of the ‘pair’. Has anyone come across this? Seems a very difficult and laborious procedure and I already know that I’m going to have difficulty in dealing with the landlords who own the other half of the pairs that I will need to insure…