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I doubt it will be a financial lesson for him if he has no money. People like this rarely do.. In relation to Landlord Insurance make sure you do you homework on what covered & whats not before taking it out. Go with a reputable LL company, not a bank. Good luck!

It will be financially impracticable to fight this. Put it down to a costly experience and move on.. No mention of landlord insurance so not sure if you have it...if not, a lesson here also.