Update & Advice:

Ok, contacted the Insurance company and they sent round a guy to inspect the damage and make an assessment of where the water is coming from and whom is at fault.

As we already knew the leak is coming from the upstairs terrace and the inspector agreed, now the next stage.

We receive the letter from our insurance and a copy of the report and we need to forward that onto the owner aboves insurance company. If the owner refuses to tell us or plays up (which is very possible) then we pass it onto our lawyer who can obtain the contact details from the Management company.

After this I am told that the two Insurance companies will sort it out between them and this (providing the owner is not a clown) should not take long. If there are any difficulties then we take the owner to court via our Insurance Company.

Hopefully this helps, I shall keep you informed from here.