Water damage due to replacement window frame

Questioner

I suffered water damage due to replacement (end of 2019) of the window frame by the housing association in the living room. Then I have (apparently) water damage over time; especially during a downpour and when the wind is in the wrong direction & starts blowing. It is in a place where you do not see one two three or come quickly. So it is not quickly noticed. A window sill, radiator and wainscoting for the radiator are in front of the window frame. Now it is clearly visible and before Christmas I saw that my laminate shows a bulge. Then it was time for me to take action. Then I filed a complaint with the housing association. Now it is under attention, there it will be continued. But the question and help now is that I do not have home contents insurance, so I would like to hold the housing association liable for the damage to my laminate. Because it cannot be that this is not possible (because I do not have home contents insurance?), because it is clear that my laminate is in disarray due to water damage and the replacement of the window frame. There are even mushrooms growing out of the subfloor at the moment. How do I tackle this? Please help and advice. Thanks in advance!

Lawyer

Whether you can hold the housing association liable for water damage depends on the specific circumstances. In order to hold the housing association liable, you must be able to prove that the damage was caused by a defect in the home for which the housing association is responsible. In principle, the housing association is responsible for the maintenance of the home, but minor repairs and daily maintenance are often paid for by the tenant. If the damage is the result of a defect that you as a tenant should have reported or repaired, you may not be able to recover the damage from the housing association. It is important to inform the housing association as soon as possible in the event of damage and to take photos of the damage. In addition, it is advisable to seek legal advice on the specific situation. You can indicate what the cause of the water damage is and what the role of the housing association was in this.

Questioner

But I am also seeking legal advice now, or not? Or should that be separate and different again. It may be me, but my approach is also to seek legal advice