Consultation Paper on the General Law of the Landlord and Tenant
Consultation Paper on the General Law of the Landlord and Tenant
Consultation Paper on the General Law of the Landlord and Tenant
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provisi<strong>on</strong>s governing l<strong>and</strong>lords in <strong>the</strong> draft Defective Premises Billappended to its earlier Report (LRC 3-1982) should be adopted, butextended to cover “legal” unfitness as well as “physical” unfitness.D Insurance6.20 There are no current statutory provisi<strong>on</strong>s governinginsurance <strong>of</strong> <strong>the</strong> demised premises <strong>and</strong> this is usually dealt with byexpress provisi<strong>on</strong>s in <strong>the</strong> lease, at least in <strong>the</strong> case <strong>of</strong> commercialpremises. 71 However, secti<strong>on</strong> 12(1)(c) <strong>of</strong> <strong>the</strong> Residential TenanciesBill would impose <strong>on</strong> l<strong>and</strong>lords <strong>of</strong> dwellings an obligati<strong>on</strong> to 72 –“effect <strong>and</strong> maintain a policy <strong>of</strong> insurance in respect <strong>of</strong> <strong>the</strong>structure <strong>of</strong> <strong>the</strong> dwelling, that is to say a policy –(i) that insures <strong>the</strong> l<strong>and</strong>lord against damage, loss <strong>and</strong>destructi<strong>on</strong> <strong>of</strong> <strong>the</strong> dwelling, <strong>and</strong>(ii) that indemnifies, to an amount <strong>of</strong> at least €250,000, <strong>the</strong>l<strong>and</strong>lord against any liability <strong>on</strong> his or her part arising out <strong>of</strong><strong>the</strong> ownership, possessi<strong>on</strong> <strong>and</strong> use <strong>of</strong> <strong>the</strong> dwelling.”6.21 The Commissi<strong>on</strong> does not c<strong>on</strong>sider that <strong>the</strong>re is any need toextend such a provisi<strong>on</strong> to o<strong>the</strong>r types <strong>of</strong> tenancy, at least not in <strong>the</strong>form <strong>of</strong> an overriding obligati<strong>on</strong>. The insurance arrangementsappropriate for commercial premises are likely to vary greatlyaccording to <strong>the</strong> nature <strong>of</strong> <strong>the</strong> premises, particularly according towhe<strong>the</strong>r <strong>the</strong>y are single-let or multi-let. 73 What may be appropriate isto have a “default” statutory provisi<strong>on</strong> designed to operate where noexpress provisi<strong>on</strong> is made in <strong>the</strong> lease or <strong>the</strong> express provisi<strong>on</strong> is notexhaustive <strong>of</strong> insurance requirements <strong>and</strong> a gap may exist. Thissubject is taken up again in <strong>the</strong> c<strong>on</strong>text <strong>of</strong> tenants’ obligati<strong>on</strong>s. 7471727374See <strong>the</strong> precedents in Divisi<strong>on</strong> L <strong>of</strong> Laffoy’s Irish C<strong>on</strong>veyancingPrecedents (Looseleaf Butterworths).Which again could not be c<strong>on</strong>tracted out <strong>of</strong>: see secti<strong>on</strong> 18.Where it may be appropriate for <strong>the</strong> l<strong>and</strong>lord to have a “block” policycovering <strong>the</strong> entire multi-let premises <strong>and</strong> to recoup <strong>the</strong> cost via <strong>the</strong> servicecharges levied <strong>on</strong> individual tenants <strong>of</strong> units.See Chapter 11 below.106