Help and Advice for Homeowners

26 FAQs

• What is covered under L&Q's buildings insurance policy?
• If I'm a leaseholder or shared owner, who is my buildings insurance with and can I have a copy?
• Will L&Q buy back my home?
• Can I make a claim under L&Q’s buildings insurance policy?
• What happens at the end of the defects liability period?
• Contents vs. Buildings - how do I know what's what?
• How long is the new builds defects liability period?
• How do I report a new build defect?
• Is there a 10 year new build guarantee?
• What is the sinking fund on my service charges for?
• How do I notify L&Q about the death of a homeowner?
• My neighbour has damaged my property. Who is responsible for the repair?
• Can I take my sinking fund contributions with me when I move?
• Who looks after my sinking funds contributions?
• What happens if there is not enough money in the sinking fund to pay for the works?
• Do I have to pay an excess on a buildings insurance claim?
• I am a homeowner and I live in a mixed block of flats where some flats are rented and some flats are owner-occupied. Do I pay for the tenants’ works through my sinking fund?
• What is the excess under the buildings insurance policy?
• Can I note my interest on the buildings insurance policy?
• What if I don’t have a sinking fund?
• What do I do if I think the sinking fund contributions are too high?
• What is a new build defect?
• I've just bought a property but I'm not listed on your system. How long does this take?
• Can I set up a sinking fund?
• How do you work out how much I have to pay towards the sinking fund?
• I've seen a new development and would be interested in buying a new build property. What should I do?