It is distressing to landlords who have been paying insurance to find that the insurer is not there to support them when required.
I would suggest persist in making the insurer accept its responsibility. Go to the supervisor, the general manager and failing receipt of satisfactory response, go to the Consumer Affairs and Office of Fair Trading in your State.
As for the tenant, why tolerate him any longer. Send the hypocrite packing under the 'termination without cause' terms of your tenancy and after the non-retaliatory period.
If the wretched tenant takes the landlord to the Tribunal, get the whole sorry saga recorded in the judicial system. If you lose, write to the Minister about the whole lousy system and where it should be revised.
On various occasions, I have done the above - with reasonable outcome and mental satisfaction.
I would suggest persist in making the insurer accept its responsibility. Go to the supervisor, the general manager and failing receipt of satisfactory response, go to the Consumer Affairs and Office of Fair Trading in your State.
As for the tenant, why tolerate him any longer. Send the hypocrite packing under the 'termination without cause' terms of your tenancy and after the non-retaliatory period.
If the wretched tenant takes the landlord to the Tribunal, get the whole sorry saga recorded in the judicial system. If you lose, write to the Minister about the whole lousy system and where it should be revised.
On various occasions, I have done the above - with reasonable outcome and mental satisfaction.