We have had water damage from a walkway that runs across the top of the block flats. After a similar incident a couple of years back I asked for keys to the walkway so I could keep the guttering clear myself but was fobbed off with a line that they would ensure it was done.
Clearly wasn’t. Bedrooms damaged and plaster coming off the walls. Zurich were quick but the contractors are taking forever. I will try getting a refund given what has happened to others on the forum. If they had kept the guttering clear there would have been no need for me to have to take on excess charges.