Join the Residential Landlords Association

Member Forums - Report Post

If you wish for the RLA to contact you regarding this report please remember to provide contact details.

Please Note: - This facility is for reporting of abuse or other breaches of the forum rules. Please do not use this facility to reply to the post as your response will not appear here - to reply please use the quote option.
  1. Please do not post RLA enquiries in these forums. Any enquiries should be sent to info@rla.org.uk.
  2. Please note that the initial message in any forum conversation on this website is viewable by the public.
  3. For security reasons, please do not include your membership number within the title or body of your forum post.
  4. You must not include any personal details relating to your tenants, such as their names and addresses, in your postings.
  5. You must not use the forums to advertise your service or business. Please use the RLA's suppliers guide for all advertising purposes.
  6. Any content deemed as advertising, inappropriate or does not meet the RLA's code of conduct will be removed from the forums.
  7. The RLA cannot be held responsible for any posts made in these forums by non-RLA staff
Report a post:
Member said: Posted on: 30/11/2013 10:33

Can anyone recommend a robust landlord's insurance policy? I have an unfurnished property, two bedroom flat. I had a landlord's insurance policy with the last tenants and when I discovered that they had completely trashed my property (long story, but in short sub-letting x 10 people, extensive mould/condensation, generally ruined throughout due to neglect and poor living conditions) my insurance would not pay out a penny, claiming that the damage was as a result of a 'gradually operating cause' and not covered by my policy, not wilful damage/neglect which was covered by the policy. So I was left high and dry with an enormous bill for reparatory works and an empty property for some months, despite thinking I had protected myself with insurance. I do not intend to allow this to happen again, naturally, but I am keen to find out if the range of landlord's insurance policies differ, if some are better than others, or if these are just standard clauses that leave landlords essentially unprotected (in which case I will build in a contingency another way). Would appreciate any advice. Thanks in advance.

Landlord & Investment Show London Olympia 2019
Residently
99 Homes
John Pye Auctions