After you have logged into your account you can update, or just check out, your contact details on the 'My Details' page. This video is a quick overview on how to do just that and, for best results, please view it on a tablet or desktop computer.
When you first sign into your account you need to confirm your details. The "Pay" button has also moved. We have tried to demonstrate what to expect when accessing your account for the first time and have created a quick video showing you this process. For best viewing results, please view this on a tablet or desktop computer.
HomeGround offers four different payment options:
Paying your ground rent is usually a condition of your lease and is an unavoidable legal requirement. You will need to prove you have paid your ground rent before you can sell your lease or make property alterations.
We issue ground rent demand notices 30 days before the due date (in accordance with the Leasehold Reform Act) and there are penalties for non-payment. If we have not received a payment from you 14 days after the due date, we send:
If you have a query about a ground rent notice or reminder, or you have difficulty paying, then please contact us as soon as possible and we pledge to deal with your queries as effectively as possible.
Unfortunately, ground rent is based on the property rather than on ownership and under the Limitation Act of 1980 you could be liable for up to six years of ground rent arrears.
Your solicitor should have advised you about any ground rent arrears at the time of purchase. If they didn’t you may need to seek independent advice.
If the sale is completed before the invoice is due to be paid, we will update our records and reissue the invoice to the new owner.
If the sale is not completed by the date payment is due, as the leaseholder you remain liable for the ground rent and the outstanding amount will need to be settled in full. Your solicitor should arrange for you to be reimbursed by the purchaser for the period when you are not the leaseholder.
The insurance placed by HomeGround covers the building against most fortuitous events, including fire, storm, flood and escape of water.
The policy will pay for the reinstatement of the property to as it was before the event. This includes damage to fitted kitchens, wooden floors, fitted bathrooms and the general fabric of the building.
Should there be an insured event that results in a property being uninhabitable then insurers will also provide alternative accommodation or loss of rent until it becomes habitable again.
The policy does not cover for wear and tear or maintenance costs and there is no cover for customers own contents or any personal liabilities if they sub-let.
Your contents are not covered under the buildings insurance and you should have your own insurance policy in place for this. Carpets within your premises are classed as contents therefore please ensure you include carpets within your own calculation.
As a party to the insurance contract, you may make claims directly to the insurer.
Please contact Gallagher on
Alternatively, you may wish to contact us directly
Out of hours alternative: 0845 300 2055
You must notify claims within 30 days of the event occurring. Better still, please let us know as soon as you are aware of an incident. Don’t forget claims may not be paid if premiums are outstanding.
When notifying a claim please supply as much of the following as possible, and also any additional relevant information and documentation which may assist the insurers in handling your claim;
A Reinstatement Cost Assessment (RCA) for building insurance purposes is a professional calculation of the cost to rebuild a property, including, demolition, professional fees and VAT.
This is carried out by a fully qualified and RICS regulated organisation, who will advise on the value that is declared to insurers to ensure claims are paid in full.