A member would like to clarify how you approach insurance excesses for leasehold properties. They currently have a blanket policy where each leaseholder is noted and claims are made directly with the insurer.

They’d like some advice on how the excess on a claim should be handled. On one hand, if the leaseholder made a claim directly with the insurer, then the excess should also be done directly between insurer and leaseholder.

Can you help? Let us know below.