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Your lease is a legal document that sets out the relationship between us and you. Your lease tells you:

  • how long the lease agreement lasts
  • what we are responsible for
  • what you are responsible for
  • how we work out charges for common repairs and services
  • the amount of ground rent you need to pay

You must also comply with the tenant’s covenants with landlord and other tenants for the management of your block and estate.

Our responsibilities are set out in the lease and are governed by law. We are responsible for:

  • giving you an estimate of your service charges before the start of each financial year
  • notifying you of your actual service charges after the end of each financial year
  • consulting you on major work and services, before inviting estimates from contractors and awarding contracts
  • informing you of any rechargeable costs we have incurred, within 18 months of incurring them
  • repairing and maintaining the structure and exterior of your block, including external windows
  • providing repairs and services to common areas
  • repairing and maintaining any communal equipment in your property, for example heating appliances, waste disposal units and door entry systems.
  • requiring other leaseholders to agree to similar terms to those in your lease.

You can find information about a number of leaseholder issues including service charges and independent advice on GOV.UK.

We are responsible for buildings insurance which covers the structure and common parts of the block, but not the contents of your home. The premium is included in your service charge and the amount depends on the number of bedrooms you have. We advise leaseholders to take out separate contents insurance. See information on our home contents insurance scheme.

How to claim

Your buildings insurance is provided by Ocaso. If you want to make a claim, contact them directly on 0344 856 2032. You can also email them, or write to them at: OCASO Claims Handling, PO BOX 2801, East Court, Stoke on Trent ST4 9DN.

You must notify Ocaso of the claim within 90 days of the damage occurring. This is a strict condition of the policy and failure to do so will void the claim.

You will need to quote the main policy number when making a claim: 165186.

Your insurance documents

Types of damage covered

The policy insures the building against:

  • fire, lightning, explosion or earthquake
  • storm, tempest or floods
  • escape of water and frost damage
  • escape of oil and smoke damage
  • theft of fixtures and fittings and damage caused by thieves
  • impact
  • riot
  • subsidence, landslip or heave
  • damage by falling TV/radio aerials
  • falling trees

You are expected to take reasonable steps to safeguard your home, especially when it is unoccupied. These should include securing doors and windows, and reducing the risk of pipework freezing by either turning off the water system and draining it down, or maintaining low level heating, particularly overnight. If your property is left unoccupied, our buildings policy may not cover any damage.

If you want to rent your property to a tenant, you need to let us know first. If you don't, this may invalidate your buildings insurance and any claim you make may be refused.

You must tell us if you have changed any of your contact details, including your telephone number, email or home address.

It is important the information we hold about you is up-to-date so we can continue to write to you.

To update your contact details you need to complete the contact details form (PDF), which must be signed by all leaseholders associated with the property, and email it to us or post to:

Homeownership Services
The Edmonton Centre
36-44 South Mall
N9 0TN

Failure to do so could affect the status of your buildings insurance.

Moving abroad

If you are moving abroad, you must provide a contact address and details of a person or agent who can act on your behalf in the United Kingdom.

Subletting your property

You must let us know if you rent out your property and provide contact details for you and your tenants as well as any managing agent in case we need to inspect the property or carry out repairs. We may also consider renting your property from you.

If you rent your property you will be responsible for your tenant's behaviour and ensuring they comply with the terms of your lease.

Selling your property

You will need to contact us if you are thinking about selling your property and may be required to offer it to us before putting it on the market. We may also agree to buy back your leasehold property if you want us to if certain conditions are met.

In order to sell your property on the open market you will usually need a resale pack which will give potential buyers information about the property. The charge for a resale pack is £180 and information for a re-mortgage is £90.