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Leaseholders

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 Avid Insurance Services Limited. If you want to make a claim, contact them directly on 01204 860 427. You can also email tpasolutions@questgates.co.uk.

Claims must be notified within 28 days of the event in the case of damage caused by riot, civil commotion, strikes, labour disturbances or malicious persons, or as soon as reasonably possible in the case of any other claim.

You will need to quote the main policy number when making a claim: 2019CP000111.

Your insurance documents

Types of damage covered

The policy insures the building against:

  • fire, smoke, lightning, explosion or earthquake
  • storm or floods
  • escape of water
  • theft of fixtures and fittings and malicious damage
  • impact
  • riot, civil commotion, strike, labour or political disturbance
  • subsidence, heave or landslip of the site on which your buildings stand
  • damage caused by falling aerials or satellite receiving equipment
  • falling trees or branches

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 leaseholder@enfield.gov.uk or post to:

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

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

Moving abroad

If you're moving abroad, you must provide a contact address and details of a person or agent who can act on your behalf in England or Wales.

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. You need to provide us with a contact address in England or Wales for us to send documents. 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.

From 1 April 2019, all Enfield Council leaseholders who sublet their property must register each sublet with the Home Ownership Services Team. As the freeholder, it is important we have details of any subtenants residing in our blocks.

You will need to complete the sublet registration form (PDF) for each tenancy agreement and pay a one-off £35 fee. This must be signed by all leaseholders associated with the property and emailed to leaseholder@enfield.gov.uk or sent to:

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

When we receive your registration form, we will send you the payment options and your unique subletting reference number (payment must not be made into your service charge account). Once the payment is received the sublet will be registered.

The subletting register has been added to your lease, to ensure we are accountable for all residents within our leasehold properties. The fee is to cover the admin and maintenance cost of the register and applies to leaseholders subletting privately, through a managing agent or housing association.

Failure to register could affect the status of your building’s insurance. We will also take the case to the Tribunal which could result in forfeiture of your lease.

The £35 charge does not apply to those subletting to Enfield Council. However, you’re still required to complete the registration form. For more information, view the new leaseholder flyer (PDF).