However RSA has told us that of the thousands of blocks of flats that they insure, the buildings insurance is carried by the respective managing agent s / freeholders, and the costs are then passed on to leaseholders through t he annual Service Charge.
That is except for just one block - ours!!! Our lease - ancient as it is an d dating from the early 1960s - has never been updated since. And it stipul ates that each leaseholder should take out buildings insurance for his / he r flat independently of the other leaseholders.
It is a nightmare right now for RSA and residents because frequently we are subject to criminal damage or vandalism - mainly from social tenants of 'b y-to-let' leaseholds. And there appears to be no insurance cover for the co mmunal parts of the building - corridors, stairwell, fire doors, outer fabr ic, etc.
The managing agents and freeholders are refusing point blank to normalise t he building insurance in a group policy.
Is there any legal action that we as leaseholders can take to force the man aging agents / freeholders to take out a block insurance policy? Even RSA h asn't been able to persuade them to do so so far.
Thanks - Chris B.