Irwell Valley must ensure the structure of your home is insured against loss or damage by fire, and other such risks at all times. You pay a contribution to this via your service charge payments.

There is a £50 excess on our buildings insurance; this means you will be responsible for the payment of the first £50 of any claim made. You will be required to pay any invoice direct to the contractor and will be reimbursed by the insurers less the £50 excess. If the claim is sizeable, the contractor may be paid directly by the insurers.

If you staircase out and purchase all your property, we will no longer insure your property and you will need to make arrangements for buildings insurance yourself.

Where a resident lives in a block of flats, even after purchasing their flat outright, the buildings insurance will be paid by us and the cost recovered by a charge within the monthly service charge payments.

In all situations, residents are responsible for arranging their own home contents insurance.