Landlord insurance on damaged floor
I have been renting out my buy to let property. However, I have not yet bought any landlord insurance.
A plumber now came to fix the radiators, but accidentally broke the pipe. The majority of the flat as a result was flooded, the floor including the wood underneath the carpet is damp.
I expect that the tenants will require me to replace the carpet including the wooden base too as they fear mold. I fear that in addition to the radiator fixing costs, the costs for replacing the flooring will be inevitable.
Am I right that no landlord insurance, if purchased now, will be covering the fixing costs?
Do I have any claims towards the plumbing business?
I appreciate your view/opinion.
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