silverknight   10 #1 Posted January 21, 2012 (edited) I know that on Blocks of Flats/ Apartments that the Building Insurance is taken out by the land owner and recovered via a service charge.  My question is on smaller developments where the building from the street view they look just like a detached house (a ground & first floor flat) or as a semi (2 ground/2 first). Is the building insurance still arranged in a similar way - the land owner?  In this type of flat development is it possible that flat owners have equal share in the freehold of the land and so share building insurance if this was the case. Edited January 22, 2012 by silverknight extra question Share this post Link to post Share on other sites Share this content via...
Jeffrey Shaw   90 #2 Posted January 23, 2012 Yes. No matter whether the freehold reversion is owned by the original developer or a successor (and even if the successor is a company formed/owned by the collective leaseholders), the leases will almost always state that the service charge includes an equal contribution- flat by flat- to the annual insurance premium (plus an obligation on the freehold reversioner to obtain and continue that insurance, of course). Share this post Link to post Share on other sites Share this content via...