I lease the ground and lower basement floors of a 3 story terraced house. Another couple lease the flat above me in the privately owned building. About 2.5 years ago water began to fill the basement, I do not know for sure where it is coming from but the concrete floor is breaking up and water is constantly pooling, I have to suck it up with a vacuum designed for use with water. I was under the impression my service charges included buldings insurance obtained by the freeholder but he has failed to act to date and I now do not think he had buildings insurance in place when I first reported the problem to him. My flat is uninhabitable and causing me health problems with the excessive damp and mould growth. I am worried what damage it is doing in the long run and how this will affect the value of the lease. I have already paid considerable sums to surveyors to find out what the problem is and the response has been for me to tank the interior of the basement at a cost of around £50,000 including making good and rebuilding load bearing walls. The freeholder has remained silent and refuses to liaise with me. He is still taking my rent and service charges. I cannot afford a lengthy court battle that may drag on for months more. I just want my home repaired to a decent habitable standard. What can I do?