hi Mark,
I know exactly how you must be feeling.We had a tenant Feb '06 notify us he is suing. He slipped...no witnesses...on ice in the driveway in Feb.
Hello...it's winter in Canada, and it was too cold for the salt to melt the ice.Of course they were behind in their rent.....and just got denied a student loan....(accidentally sawed their mail when they vacated)
Insurance company said for us not to worry, they will most likely pay him off.Of course I was furious, this just encourages people.
Like Geoff W said, if you evict, make sure you have valid grounds. Our tenant stopped paying rent.
Of course everyone says not to worry, it won't cost you a thing, included in your insurance. Guess who had their insurance premium increased?
We cancelled our insurance with that company not long after. Wonder if they are so quick to pay that tenant now, since they can't recoup from us any longer.
Insurance adjuster came to the house and took our statement..haven't heard anything in a year.
Hopefully Aus insurance companies have more balls than Canadian ones.