Help!!!!! Mold on bathroom ceiling – Insurance?!?!?

Hi all,

I have mold on my bathroom ceiling. Has had a small patch for a while, however past two days it has increased dramatically!!!

It is right below the bathroom up upstairs (i stay in apartment).

The ceiling has now started sagging.

I have contacted my landlord and he says that it is definetly a insurance job.

But i dont have contents insurance – would it be coverd by builings insurance that my landlord has for my flat???

Help!!!!

Dont want to be outa pocket!!!

L x

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