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  1. Hello to everyone, I'm new to the forum and I would be really grateful for some sound advice on the following matter. I am reluctant to approach my insurance company, before I have asked for some advice from an independent source, so here goes. My garage adjoins the neighbouring property and the former owner has built a patio, which is above the damp course of my garage, so the consequences of this is that water is coming through the damp course and is forming puddles, making the walls and the garage very damp. I believe the existing owner is unaware of the current problem. I cannot
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