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30 December 2011

Ingress of water from neighbours flat

There was water leak from neighbours flat into mine causing damage to ceiling.  He carried out repair to stop water leaking .  I made claim through buildings insurance for redecoration of ceiling (ceiling measures approx 3x2ft).  Loss adjustor viewed damage and said entire ceiling needed repainting to restore ceiling to condition before leak.  Insurance paid bill for redecoration except for excess.    Neighbour stated he would pay part of excess to cover cost of repainting repainting over water marks only but was not prepared to pay full excess as believed I  would be carrying out redecoration of total ceiling at his expense.  I rejected offer and he then denied all responsibility for damage to ceiling.  I did not proceed to claims court as I had been hoping to sell my flat and didn't want to have to declare legal dispute.  I could not sell.  That incident was second ingress of water and happened a few years ago.  Now a third ingress of water has occurred.  Please advise who is responsible for damage including excess not met by insurers.  Please also advise of statute of limitations regarding making a claim for my previous loss. Sent from my iPad

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