[/quote] 我这个物业费1100大概一年，ground rent250，980年lease
我今天还问了我的管理公司，回复如下“The building is fully insured.
So if the building for example causes damage to your flat, you are covered.
If another flat however causes damage to your flat ,your individual flat insurance should cover it.
It.defnitely will cover flat to flat damage if you purchased the policy offered by James Hallam.
If we put flat back on buildings insurance the buildings isurance premium will rise to 50,000 GBP. ( If we keep the escape of water excess at 500 per claim. We can lower the BI premium to about 33000 if we agree to an escape of water excess of 2500. )
But we dont want an escape of water excess of more than 500 for flats because if the excess was say 2500…this would not be acceptible to most mortgage lenders. 还有一大堆。。 此处不表了。。物业公司的大意就是为了节省大家的钱，我们自己的物业哪里出问题了就别跟物业公司要insurance ，自己claim自己家的insurance就行。 这样明年物业的building insurance还会保持不变。我们的物业费也能找旧不变。
再请加大家，这两种情况‘most blocks of flats in the Lease make it a requirement for the landlord to insure the whole building with the cost of the buildings insurance being split between each owners. However, your Lease states that each individual person should take out buildings insurance for their individual flat and garages.’
你的policy 说的damage 是什么损坏？就是包火灾从建吧？自己的building insurance 大概只是包挂漏水和水管爆裂洗衣机坏漏水到楼下那种building insurance ？ subsidence claim 如果在30楼高的不可能有保险公司可以理赔单一个单位。何况没有人可以盖个空中楼阁。
比如说倒塌了得从地面盖起，上次我换mortgage lender 也遇到同一个问题。我有个公寓coach house 也是没有freeholder building insurance,就是得买indemnity insurance 保赔钱给银行那种（并不是包reinstate cost)。 building insurance 也是自己买自己公寓的，lender not accept the insurance as tenant have no right to build above others people building。这个单位没有freeholder building insurance,管理费也低。只是剪草和花园维护。ground rent 就£1 年期也是999
这样明年物业的building insurance还会保持不变。我们的物业费也能找旧不变。
国内的人买的都是flat，哪有什么保险，就是买保险好像很多都不理赔，例如地震，也是神了。。。