I hope you guys can help advise… The flat above us had a leak which damaged the flooring to our flat. We have been in touch with the insurance company who have agreed to cover the costs for the replacement.
However, I am a little confused as we only own the leasehold for the flat, and the insurance policy was taken out by the owner of the freehold (which we pay for).
What I want to know is, will making this claim effect us as individuals with any future policies we take out? Or will it only effect the actual policy holder?
Thanks in advance for any help you can give!