Ladder of liability
The ladder of liability is set out as follows
- A person who owns the house they live in (resident freeholder)
- A person who has a lease on the house they live in (resident leaseholder)
- A person who has a 'statutory or secure' tenancy on the house they live in, usually tenants of housing associations (resident with a statutory or secure tenancy)
- A person who has a tenancy agreement with a private landlord on the house they live in (resident with a contractual licence)
- A person who is living in a house with no formal legal right to do so, usually grown up children (resident)
- A person who has a legal right to occupy a property but does not do so (owner)
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