If your property causes a leak (whether you are Camden as a landlord or a leaseholder) one you know there is a leak you are responsible for stopping it with all appropriate speed. If you do not do this, you become liable at least for any excess damage from being late. So, if Camden knows there is a defect in a tenanted flat and does not repair it, they are liable. Leaseholders are liable if there is a leak and they were negligent or failed to stop it as soon as they became aware of it. There is a £250 excess on Camden’s building insurance if you claim for water damage, which you can recover as set out.