Does the first paragraph in this bit taken from 'DirectGov' mean that they should sort out the building and the contents insurance company should sort out the rest ? Or is there a bit i am missing like a disclaimer or something in the other paragraphs ?
What the council insures
The council insures its council dwellings and, thus, in the case of a fire that destroyed a property the council would claim on its insurance for the cost of repairing the property.
However, the council does not insure any of the contents of its properties that belong to the tenant, (e.g. furniture, decorations or improvements). Therefore as a tenant you may like to consider taking out contents insurance to protect these things. Home contents insurance is available from a variety of insurance companies and probably the best starting point is the Yellow Pages telephone directory.
The council can also give you advice on home contents insurance should you require it. Many councils offer tenants comprehensive insurance cover within their own Home Contents Insurance Scheme. If you take out insurance cover under your council's Home Contents Insurance Scheme, you will need to obtain an official claim form from a local Housing Office. Once you have completed the form you will need to send it to the Council's Insurance Brokers.
A lot of Solicitors firms give a one hour free service. Might be worth ringing round. Failing that try asking for help from the Citizens Advice Bureau.
Quote="Wicker Man"A lot of Solicitors firms give a one hour free service. Might be worth ringing round. Failing that try asking for help from the Citizens Advice Bureau.'"
You'll be lucky to get an hour. Its more like half nowadays.
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