Housing Disrepair Claims are on the rise – are you and your clients protected?

Housing Disrepair Claims made to social landlords have skyrocketed in the last five years, with research carried out by Inside Housing concluding that, across England, the number of cases increased by 132% between 2018 and 2021. And if you’re in search of qualitative evidence – the number of news stories reporting tenants who live with mold, damp, and unfit living conditions across some social housing developments should give you a good idea, as to the extent of the problem. 

In fact, data released by the Ministry of Justice shows that Legal Aid for Housing Disrepair Cases has more than halved since cuts were made in 2013, severely restricting tenants’ access to justice. Housing Disrepair ATE Insurance mitigates risk, so that more law firms can represent tenants in such cases against social landlords, widening consumers access to justice. 

Why Prosperity’s Housing Disrepair ATE Insurance? 

Our policies are suitable for those seeking compensation for housing disrepair against a landlord who is either a Housing Association or a Local Authority.

And there are a few reasons why our policies stand out from our competitors’. 

Three stage premiums – Where most of our competitors will provide one premium for the duration of a case, our three-stage premium means that the cost of said premium can start from as little as £200 + Insurance Premium Tax – amongst the most competitive premiums on the market. It also means that Solicitors who are registered with our portal, can raise a premium at any stage of the case. Lower premiums mean more access to justice for those who need it, and resultant protection for their appointed legal teams. 

No minimum volume commitment – For the legal firms representing clients in Housing Disrepair cases, we have no minimum volume commitment when it comes to our policies, meaning we can be the provider of choice for firms of all sizes. You can therefore access the cover you need for your clients, when you need it. No minimum commitment, no fuss. 

Fast and convenient quotes and policies: For firms who are registered with our portal, you can retrieve a quote in seconds and secure a policy in minutes. Our policies and processes are informed by our partners at Prosperity Law, and are formatted to be convenient for solicitors. We therefore have less reporting requirements than our competitors to free up more time for you to do what you do best – which is represent your clients. 

We will be attending the Legal Futures Housing Condition Conference in Manchester, on 18^th April. As previously mentioned, we represent firms of all sizes. If you’re attending and want to know more about our ATE insurance products, drop us an email at info@prosperityinsurance.co.uk to arrange a coffee and a chat.