LandlordZONE

17

Apr, 2014

Thursday

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  1. An up to date building survey from a professional...

    An up to date building survey from a professional is the only accurate way. I appreciate it is also the most expensive way but this is ultimately the answer to your question.

    The ABI calculator...
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    I checked one of our main insurer's policy...

    I checked one of our main insurer's policy wordings and they have a section of coverage under the buildings insurance which is called "Metered Supplies Cover".

    This covers any additional water,...
  3. When we look at cases with subsidence history, we...

    When we look at cases with subsidence history, we don't have a problem with increased premiums, it is just whether the insurers will provide subsidence cover or not! If the claim isn't too drastic...
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    The builder has caused the damage so the builder...

    The builder has caused the damage so the builder is liable for the costs.

    The fact the builders public liability insurance has lapsed does not change the fact that any claim should be sent in...
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    You should tell your insurance company of...

    You should tell your insurance company of anything that may be considered a material fact (i.e. something that may affect the way the insurer sees and rates the risk they are providing cover for)....
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    The credit check will need to be from a reputable...

    The credit check will need to be from a reputable credit reference agency but the character reference can usually be obtained by you but needs to be from a satisfactory source.

    Check out the...
  7. You will probably find that most (if not all)...

    You will probably find that most (if not all) landlord insurance policies have Maintenance and Safety Requirements which will make it a condition of the policy that you comply with relevant Health...
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    Accidental damage on your insurance policy is...

    Accidental damage on your insurance policy is going to cover you for a lot more than a deposit. Who knows how much "Accidental Damage" a tenant could cause?! They could bang a nail into a wall and...
  9. Hi Paul and welcome to the forum! You should...

    Hi Paul and welcome to the forum!

    You should find that most landlord insurers will not have a problem with your multiple tenant set up - it is obviously a very common scenario and one that...
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    What is the reason they are providing for not...

    What is the reason they are providing for not being accepted? I know some might not like to do it due to it being sold. If you are still struggling then give us a call as we can cover pretty much...
  11. Take a look at my Escape of Water Leaks in Flats...

    Take a look at my Escape of Water Leaks in Flats sticky from the Insurance Forums. There is also a sticky from a fellow member here. These should answer any queries you have.
  12. "Malicious Damage" is included on pretty much...

    "Malicious Damage" is included on pretty much every property insurance policy. And almost every single one of these will have an exclusions section which will exclude such cover by anyone legally...
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    Yes, any landlord insurance broker should be able...

    Yes, any landlord insurance broker should be able to help. It is obviously a common scenario of being unoccupied between tenants. Your current insurer will be the best to contact and may be able to...
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    On the brief info supplied, the best quote I got...

    On the brief info supplied, the best quote I got from our panel of insurers was in the region of £185. The 2nd/3rd/4th best were all around the £220 mark. It would suggest that you have probably...
  15. The problem with this scenario is that it doesn't...

    The problem with this scenario is that it doesn't fall into a standard insurable category.

    Standard Home Insurance = you live there
    Home Insurance with Lodgers = you live there with a lodger...
  16. An "interested party" will not have...

    An "interested party" will not have administritive rights to the insurance policy (i.e. will not be allowed to make adjustments and will not be allowed access to most, if not all, the data of the...
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    That price does sound slightly above average but...

    That price does sound slightly above average but obviously there could be a whole variety of things that are causing this. If you let me know the tenant type and post code (feel free to exclude the...
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    Hi paulnj, This is certainly a legal dispute...

    Hi paulnj,

    This is certainly a legal dispute and one that normally the landlord's insurance company would sort out with the tenant's contents insurer - either way, all damage should be paid for...
  19. Yes, we have the secondary occupation question on...

    Yes, we have the secondary occupation question on our car insurance system. I personally haven't used the system for customers' policies for at least 5 years but I vaguely remember something along...
  20. Bit of a can of worms opened here! As JK0 says...

    Bit of a can of worms opened here!

    As JK0 says above, you'll probably find if you compare the price of standard (social/domestic) use and business use the difference won't be much. If you visit...
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    You should contact them to at least report the...

    You should contact them to at least report the incident because if something happens further into the future and you suddenly need to make a claim they may query why you hadn't told them at the time...
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    Yes, that's correct. Any claim on any insurance...

    Yes, that's correct. Any claim on any insurance policy that is due to any type of criminal offence will need to be reported to the police (so theft, malicious damage, etc.).

    In most cases, the...
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    I've just had a chat with one of my colleagues...

    I've just had a chat with one of my colleagues who handles block policies a bit more than myself. They've explained to me that your scenario could possibly be correct (so apologies for my previous...
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    95% of landlords insurance policies should be...

    95% of landlords insurance policies should be pretty standard in terms of what they do and don't cover on the standard perils (i.e. fire, flood, storm, subsidence, etc.). Where they start differing...
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    Absolutely not! Your tenant should indeed have...

    Absolutely not! Your tenant should indeed have their own contents insurance but this will only cover THEIR contents and THEIR liabilities as tenant of your property. It is up to them whether they...
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