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Home insurance claim - water damage from flat upstairs?

basically, made an insurance claim on damaged goods due to leak from flat upstairs - water leaking down from the ceiling. Claim went through ok, however will have to pay excess and now the premium has gone up. Spoke to insurance company, and they say that because the leak was a disconnected waste water pipe, as opposed to the residents leaving taps on, it is not negligence on their part, and therefore they are not responsible. Not quite sure how i stand, since, as i say, my premium has gone up and i have to pay the excess - surely this is incorrect. or is it? any advice most welcome cheers

   








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https://blinpilrapoopo.wordpress.com/2017/04/28/whats-the-cheapest-and-best-car-insurance-company-to-go-with-for-a-16-year-old/

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Home insurance claim - water damage from flat upstairs?
basically, made an insurance claim on damaged goods due to leak from flat upstairs - water leaking down from the ceiling. Claim went through ok, however will have to pay excess and now the premium has gone up. Spoke to insurance company, and they say that because the leak was a disconnected waste water pipe, as opposed to the residents leaving taps on, it is not negligence on their part, and therefore they are not responsible. Not quite sure how i stand, since, as i say, my premium has gone up and i have to pay the excess - surely this is incorrect. or is it? any advice most welcome cheers


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Home insurance claim - water damage from flat upstairs?
basically, made an insurance claim on damaged goods due to leak from flat upstairs - water leaking down from the ceiling. Claim went through ok, however will have to pay excess and now the premium has gone up. Spoke to insurance company, and they say that because the leak was a disconnected waste water pipe, as opposed to the residents leaving taps on, it is not negligence on their part, and therefore they are not responsible. Not quite sure how i stand, since, as i say, my premium has gone up and i have to pay the excess - surely this is incorrect. or is it? any advice most welcome cheers


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Home insurance claim - water damage from flat upstairs?
basically, made an insurance claim on damaged goods due to leak from flat upstairs - water leaking down from the ceiling. Claim went through ok, however will have to pay excess and now the premium has gone up. Spoke to insurance company, and they say that because the leak was a disconnected waste water pipe, as opposed to the residents leaving taps on, it is not negligence on their part, and therefore they are not responsible. Not quite sure how i stand, since, as i say, my premium has gone up and i have to pay the excess - surely this is incorrect. or is it? any advice most welcome cheers