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They deduct everything they can. They don't cover any cleaning. I really got no love from them at all. :( I was aware of the limitations prior to using them for the insurance, so there was no surprises there. What I was not aware of was they they would charge double the excess if there...

We have a house insured by NRMA. When the scumbag tenants left, we had to make two claims. The first was covered by the LL componant (loss of rent, etc), the second was covered by the Building componant (carpet). Therefore we had to cough up for two excesses. Top this with the fact that they...