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Hi All FYI no real update on this, I am paying for everything from my own pocket and will just hope that I get something back. Ironically the insurance renewal arrived during the debacle... it got promptly filed in the bin and the policy moved to EBM.. the first of many to be moved.

In amazing timing, the TS renewal for the policy arrived in the mail today. Whatever shall I do...

I read the EBM PDS last night and could not see exclusions of this type. The PM has done plenty of similar claims through EBM and has not had any issues with getting the bulk of a claim approved without dramas. I will msg brettc to see what his thoughts are, he has been helpful in assisting me...

They do, but per the PDS, accidental damage only covers a single event eg spillage of bottle of wine or smashinig a glass cooktop, not anything which accumulates over time such as internal contents destruction. Accidental damage also excludes any damage deemed to be deliberate or malicious, or...

Tenant had been in 9 months. First inspection at 3 months was all good, nice and tidy. 6 months later at next inspection its trashed. 90 day NTV with no reason to get them out issued as soon as the inspection was over. Tenant stopped paying rent, 14 day NTV's for arrears lodged, VCAT and warrant...

Looking to get about $3k out of the 12k. Cleaning and rubbish removal is $3000 on it own of which I get $1280 bond towards. House is so bad that trades wont do any work inside it till its been cleaned/rubbish removed... carpet company wont touch the carpets to remove them. As Dazz would say...

I am putting in my first ever landlord insurance claim, I am insured with Terri Scheer. My claim for costs, damage to internals, rubbish removal, rental arrears and locks etc comes to about 12k. So far it looks like they are not going to accept much of the claim except for the rental arrears...