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Home insurance

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Council House Home Insurance
Insurance Claims against the Council
Contact Details

Council House Home Insurance

All council properties managed by Oswestry Borough Council have insurance for the structure and main fittings of the building.

The Council is not responsible for insuring your personal belongings or furniture. Accidents can be very expensive. You are strongly advised to protect the contents of your home through your own insurance scheme.

We Strongly advise you to insure the contents of your home and your personal possessions against fire, flood, theft and forms of accidental damage. Please note that the Council is under no obligation to provide compensation or financial assistance in the event of an accident, disaster or theft from your home.

Housing Services have details of an insurance scheme offered at reasonable rates. You can find out about the amount you would have to pay and benefits of the scheme by contacting your local Housing Area Office.

Insurance Claims against the Council

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 that belong to the tenant. We strongly urge that every tenant should have contents insurance. Contents insurance is available from a variety of insurance companies and probably the best starting point is the Yellow Pages telephone directory. As always, the Council is happy to give advice on home contents insurance should you require it.

Council tenants may make insurance claims against the Council for any damage that the Council causes to the tenants' possessions, or injury to the tenant or members of their family.

As an example, if a Council tradesman were to hammer a nail into the wall and inadvertently burst a pipe which resulted in the floor being flooded and ruining the tenant's carpet, the Council would be responsible for the cost of replacing the carpet as clearly it has been negligent in its actions.

However, there are a variety of other issues for which the Council may not be negligent. For example, if there is a particularly bad storm which lifts a tile off of a roof and as a result water comes through the roof, through the ceiling and damages a bedroom carpet, the Council would claim that it has not been negligent as it could not have prevented that from happening. Under such circumstances the Council would seek to reject any such claim.

If you are unsure about whether or not you could make a claim against the Council, please use the contact details above.

Contact Details

Oswestry Borough Council
Housing Services
Alexandra Road
Oswestry
Shropshire
SY11 1LU

Tel: 01691 677242 / 01691 677292 (Housing enquiries)
Tel: 01691 677290 (Housing Repairs)
Fax: 01691 653685
Email: housing@oswestry-bc.gov.uk