Building Insurance

Trident arranges the buildings insurance cover of your property if you live in a flat or a maisonette or are a Shared Owner. The cost of this is re-charged to all leaseholders / Shared Owners through the annual service charge.

This does not cover your contents. Please ensure that you arrange your own contents/personal belongings insurance.

Please find below a copy of the Building Insurance summary of cover which you are free to print off. The Buildings Insurance is provided by Keeleys. If you want more information about the buildings insurance, or you require a claims form, the details are included at the end of the cover provided to contact them directly.

Should you have any queries or require additional information please do not hesitate to contact Trident on 0121 633 4633.


Properties for which Trident Housing Association Limited Have Responsibility for Insuring

We are Insurance Brokers to the Trident Housing Association Limited. We understand that you require details of our client’s Buildings Insurance.

A Summary of Cover is attached. However, we think the following points will be of interest to you.
(a) The policy operates on a ‘blanket’ basis, which dispenses with the need to specify each property insured on an individual basis.

(b) Sums Insured are not allocated to individual properties or blocks of properties. Each property is automatically insured for its re-building cost and this is maintained at all times.

(c) No endorsement needs to be issued in respect of Tenants, Owners, Shared Owners or Freeholders as the policy automatically recognises them as Joint Insured. Additionally, the interests of Building Societies, Banks or other Mortgagees are recognised.

We would also confirm the property owners’ liability professional fees; demolition and site clearance costs are covered by the policy.


Click to view the Trident Housing Association Limited Buildings Insurance Certificate: Building Insurance Certificate - 2017/18



FAQs

We have included a list of some of the most frequently asked questions that we receive from leaseholders; these may be able to answer any queries that you have.


What happens if I cannot make a payment ?

If you have payment difficulties or are unable to make payment in full we are here to help. You should contact the team immediately to discuss your situation and discuss any options available to you.


What happens if I have already made an agreement with the Income management team to pay my account by instalments?

Whenever you receive an Invoice for charges you should contact the Income Management Team to discuss any arrangement you have already in place or wish to make. . If you already have an arrangement, you can discuss the possibility of varying your agreement to include this invoice.


In April when I receive my Estimated Service Charge do I have to pay the full amount?

Your lease, like most leases, says that you make payments of your service charges each quarter. You can make a payment each quarter or you can make an agreement to pay the charges over a twelve month period, based on payment of the same amount each month.


What happens if the estimate is too high or too low?

Your bill will be adjusted in the September of each year, when actual costs are known and a statement of your actual costs, showing the adjustment, is provided to you as audited accounts.


Useful Contacts:


Leasehold Valuation Tribunal (Midlands)

2nd Floor
East Wing, Ladywood House
45/46 Stephenson Street
Birmingham
B2 4DH

Tel: 0845 600 3178
Website www.rpts.gov.uk


The Leasehold Advisory Service

31 Worship Street
London
EC2A 2DX

Tel: 020 7374 5380
Website: www.lease-advice.org


Housing Ombudsman Service

81 Aldwych
London
WC2B 4HN

Tel: 0300 111 3000
Website: housing-ombudsman.org.uk


Homes and Communities Agency

5 St Phillips Place
Colmore Row
Birmingham
B3 2PW

Tel: 0300 1234 500
Email: mail@homesandcommunities.co.uk

Website: www.homesandcommunities.co.uk


Department of Communities and Local Government

Department for Communities and Local Government
Eland House
Bressenden Place
London
SW1E 5DU

0303 444 0000
Website: www.communities.gov.uk