Your lease is a legal document that sets out the relationship between us and you. Your lease tells you:
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:
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.
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.
The policy insures the building against:
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.
The Edmonton Centre
36-44 South Mall
Failure to do so could affect the status of your buildings insurance.
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.
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.
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.