If the other apartments are uninsured then the loss adjustor may take the decision to make a cash payment based on the average of three quotes to rebuild your percentage of the entire block. If for instance it would cost £125,000 to rebuild the whole block and there were four apartments then you would get £31,250.
We offer block insurance in every country we insure in, though we would need to insure every apartment in the block. This would ensure in the event of a total loss then the block would be re-built.