Apropos of http://kingandy.livejournal.com/540478.html
We have spoken to Sanderson James; apparently the way the insurance process works is:
- Sanderson James ask the Insurers to set up the policy;
- the Insurers send details to the Tenant;
- the Tenant then informs Sanderson James of any areas in which the property does not meet the details of the policy, and SJ then make the appropriate improvements.
So, as far as SJ are concerned, the fault is ours for not asking them to upgrade the locks.
As it happens, we never received
the policy details by post. Indeed, for the first five months of our tenancy we could not get at
our post, since nobody could find a key to it. When we did get in to the post, however, no communication regarding the insurance could be found.
SJ are of the opinion that it was our responsibility to expect said communication, and contact them when it did not materialise.
I should probably mention that, having acquired a copy of the documentation from SJ this afternoon, it does turn out to contain all the statutory details
mentioned by others. So it's looking increasingly as though we have nobody to point the finger at. Except possibly the Royal Mail for not delivering our documents, or Sanderson James for not letting us know to expect said documentation. I suspect, however, that they could successfully argue that we should have taken more of an interest in our own affairs.
Still. I maintain that when your estate agent offers to insure your contents, your contents will then be insured. There's an implied level of responsibility, which they do not seem willing to take.
We will be communicating with Ant's family lawyer as soon as is reasonably practicable but my general sense is that we are going to fall through the cracks of mishandling and incompetence.