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That is great, but my son who works as a PM says about 10% of tenants carry insurance. I still prefer to have my own backside covered, and if I need to make a claim, my insurer can do whatever they want about getting money out of the tenant and/or their insurer. Even if your tenants have...

No. Let me tell you what I would do as the landlord in the circumstances described in the original post. If the tenant was involved with a fire in his room, regardless of what caused it, and was hospitalised for a week, I would NOT get the PM to lie to him and tell him I have put in an...

Sounds like a very wishy washy answer. I'll continue to keep up my policies and make a claim if necessary. I'll let my tenants insure their contents... or not. But my building is covered by my policy.

We'll just have to agree to disagree. Why bother having insurance if you don't want to make a legitimate claim? The excess may be paid by the tenant... or not... depending on what happened to cause the damage. In the case that our property was deliberately damaged by the tenant, we would...

I suppose if I was to drive a friend's car I would assume it had insurance. If not, as long as it is registered there is compulsory TPI to cover the other party, isn't there? Like most things, those who think about this stuff probably also are aware enough to actually HAVE insurance. If you as...

I would think you would only be expected to pay for the excess, not the whole cost of the damage. That is what insurance is for.

^^^What he said. Your landlord and your PM sound like right knobs. Try to get this all down in dot point form so that you have something to back you up. The only time we ever claimed insurance was when a tenant went a bit troppo (on drugs as it turns out). He damaged some walls and a...

Thanks for the PM. But what if your tenants cancel their policy? I assume that in that case you would claim on your building insurance and try to get some of that from the tenant. I don't like relying on anybody else to be paying for insurance that covers my backside :eek:. I just googled and...

We'll just have to agree to disagree then :). Do you actually insure your IPs or just hope the tenant has insurance? When would you claim on your insurance policy? What happens if your tenant forgets to pay his premium? I pay insurance for my own peace of mind. If I have to claim, I have to...

The problem I have with this situation is that due to whatever cause, the room is not able to be lived in. If the insurer has been brought into this, then it must be more than just cleaning soot. If it was just a case of giving the place a good clean, I would expect the tenant to do that, but...

I don't know what you should do, but in Queensland we have a free legal service. I would be thinking that you shouldn't have been paying rent all this time in such a situation. I'd be doing what The Fence suggests and contact the right authority (Consumer Affairs or Dept of Fair Trading) and...