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Blocks of Residential Apartments

Blocks of Residential Apartments do have special insurance needs. An off-the-shelf policy may not provide sufficient cover, and cutting corners on insurance can have consequences at a later date, creating extra work for you and certainly compromising your relationship with service charge payers.

As a specialist in buildings insurance for blocks of flats, Ferndale can negotiate policies specially tailored for your block of flats at competitive rates. As we work with a specialist panel of leading insurers, we are able to provide comprehensive cover at competitive premiums.

Our cover will typically include:

• Accidental loss and damage to buildings, outbuildings, paths and fences
• Storm damage to hedges, gates and fences
• Loss of metered water
• Accidental damage and tree root damage to cables and underground services, including septic tanks
• Cost incurred in tracing and accessing damaged service pipes
• Architects' and surveyors' fees during reinstatement
• Loss of rent and alternative accommodation — including pets
• Replacement locks following loss of keys
• Gardening equipment
• Damage to gardens caused by emergency services
• Legal fees for removal of squatters
• Removal of bees or wasps' nests
• Cover for temporarily unoccupied flats
• Contents of communal areas of the building, including carpets (not on all policies)
• Property owners' liability
• Employers' liability — certain information is required if employer's liability insurance is required
• Terrorism cover is available on request

Plus:

• Option to pay by monthly installments
• Index-linked adjustment of sum insured
• 24-hour glass and lock replacement (on some policies only)