A landlord rang me today in full panic mode. They’d been sent an £11,000 bill by the neighbour below after a leak. Here’s the part most landlords don’t realise. The leak was dealt with immediately. There was no negligence. Which means it wasn’t the landlord’s bill at all. This is exactly what insurance is for. Accidental damage. Properly managed. No personal liability. And yes, the relief when they realised? Massive. This is why management and insurance matter more than people think #landlordadv