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A hole in building insurance cover that could leave millions out of pocket

Updated: Jul 15, 2020


If your pipe bursts and causes damage to a neighbour’s house, your policy might not pay out if you have bought home rather than contents cover.

How would you feel if you received a scary letter from an insurance company accusing you of “negligence” and saying you were legally responsible for paying for repairs to your neighbour’s house?

That’s what happened to 82-year-old Sabata Picone after water leaked from her property into the house next door. The letter she received said that “you have failed in your common-law duty” to prevent damage to someone else’s property and wanted to know how she intended to pay the bill, which could potentially run into hundreds or even thousands of pounds.