As your landlord and freeholder of the building, Notting Hill Genesis is responsible for insuring the building against loss or damage. Therefore, you don't need to take out separate building insurance. However, we’re not responsible for insuring your contents or personal items.
Your freeholder (usually us) is responsible for ensuring that your building, and the estate your building sits on, is properly insured. This includes the communal areas, such as hallways, gardens and car parks. It also includes the structure of your building against loss, as well as the permanent fixtures and fittings inside your home (such as kitchen cupboards or bathroom fixtures). The service charge you pay includes a contribution towards the annual insurance premium which is set out in your lease.
Note: This information relates to buildings insurance we have arranged. Leaseholders living in buildings that are owned by somebody else should refer to the insurance certificate for their building. For further information you can speak to your PMO.
Policy schedule download
If you're a leaseholder or shared owner you can access our buildings policy summary below.
- We hold an open block policy which covers all of our developments where we are the freeholder without the need to issue individual documents for each address.
- Individual re-build amounts are also not listed but each development will be insured for the appropriate re-build cost.
- The interest of relevant parties such as mortgage lenders can be found under the blanket ‘noting of interest’ clause as shown on the attached summary of cover.
Building insurance
Damage caused by things such as:
- Fire
- Storm
- Subsequent damage from escapes of water and floods,
- Lightning strikes
- Subsidence
- Malicious damage
Cover generally includes damage to:
- The structure of the building
- Internal walls and ceilings
- Permanent fixtures and fittings including baths, toilet cisterns and fitted mirrors.
- Permanently fitted flooring such as wood flooring (carpets fall under contents insurance)
- Damage caused by squatters
- Malicious damage and vandalism
- Trace and access (leak detection)
How to make a claim
If you need to make a claim for damage, please download a claim form and return this to our buildings insurer directly within 30 days of the loss occurring or you becoming aware, as below:
- Email: phil_marsh@ajg.com
- Telephone: For urgent matters or if you are unable to download the claim form, please call 01245 341 241
- Policy number: N0A3G5224A0K
If you have a managing agent who holds insurance responsibility, please report your claim to the Managing Agent instead. In the event of an emergency outside of office hours, take whatever action is necessary to prevent further damage to your property and call the above number for advice on what to do next.
Alternative accommodation
If you believe your home is uninhabitable and where you have no kitchen or bathroom facilities, you can contact the building insurance provider on the number above.
They will advise what costs are covered if alternative accommodation is needed. Your local authority might also have temporary accommodation available until you are able to make more permanent arrangements.
Out-of-hours contact
You can also contact the nominated loss adjuster, Sedgewick, directly on 0345 604 8580 who will be able to give you more specific advice and assistance.
If you need to contact us outside of our working hours of 9am to 5pm, please contact your local officer and you will be diverted to our emergency out-of-hours team.
Flood contacts
The Environment Agency has a Flood-line service with trained specialist support officers who provide 24/7 advice during and after floods, you can reach them by calling 0345 988 1188. The National Flood Forum also has a wealth of practical information on how to recover from flooding.
Landlord’s insurance
If you are renting out your property, then we strongly recommend you take out what’s commonly referred to as Landlord’s insurance. This differs from home insurance and can provide you with additional financial protection such as loss of rent income. It is also necessary to let us know if you are a landlord so we can inform our insurers to ensure our buildings insurance is not voided.
FAQs
Contact AJG directly on 01245 341241 who will take details of the event and discuss repairs with you. Subsequent damage caused to your property will be covered, but not the cause/source of the damage.
Repairs can be arranged via our insurer’s contractors who will be authorised to carry out necessary works. External walls, roofs and communal areas would normally fall to NHG to repair.
Our property insurers can offer something called ‘trace and access’ which will cover the work involved and cost for contractors (ideally the insurer’s contractors) to locate the source of the leak using thermal imaging CCTV, UV dye together with the use of water/damp location equipment. *Please note that the cost of repairing the cause of the leak itself, however, will not be covered (such as fixing a broken pipe).
Yes. A £250 policy excess applies to property claims increasing to £1,000 for all subsidence claims. Trace and access does not carry a policy excess.
No. All leaseholders and tenants are responsible for sourcing their own contents insurance.
- Buildings generally relates to; internal ceilings, walls, permanent fixtures and fittings including baths, toilet cisterns and fitted mirrors together with (normally) laminate flooring.
- Contents relates to; carpets, sofas, tables, chairs, beds, bed furniture, toiletries, electrical appliances/white goods, jewellery, TVs, laptops, clothing, handbags, shoes, CD/DVDs etc.
Items such as iPads and iPhones can often be insured under a home contents policy and additionally covered for when they are away from the home.