Not sure if this is the correct forum. Apologies if it isn't.

We own the lease of a ground floor apartment in a block. The block was
constructed about 4 years ago. Recently a severe water leak developed in the
apartment 3 floors above with the result that all the apartments between us
and the leak have been damaged to a greater or lesser degree.

The management company arranges the buildings insurance cover within the
maintenance cover and advises the charge in the maintenance schedule.

When we became aware of the damage being caused we advised the management
company who responded with a reference number and contact details of an
insurance broker. When contacted the broker recognised the reference number
but advised that as of July 1 2008 there was an excess of £500 payable
before their contractors would commence work. Needless to say this came a
some surprise and a question was raised with the management company. Their
response was that due to FSA rules they couldn't advise us on the insurance!
In addition they stated that they only arranged the insurance on our behalf.

We have pointed out to the management company that we have never received
any policy document, not even a summary and have never been notified of the
change effected on July 1. The response was that if a copy of the policy was
requested they would provide it.

Can anyone provide any information on leaseholders rights and management
company obligations in this area. Thanks in advance