Updated October 2026 · Fraser Bond
Flats · Leaks
Leaks from upstairs
Stopthe water
Buildingsinsurance
Negligenceclaims
Leaseterms
In short: If water is leaking from the flat above, contact the occupier immediately, or the managing agent or freeholder if you can't reach them. Damage to the building's structure is often covered by the block's buildings insurance, claimed through the freeholder, while your belongings are covered by your contents insurance. If the leak was caused by negligence, such as an overflowing bath, the upstairs occupier may be liable. Tenants should report leaks to their landlord, who is responsible for repairs to the structure.
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Who pays for the damage?
Usually buildings insurance, with any excess.
What if upstairs won't answer?
Contact the managing agent or freeholder urgently.
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