A comprehensive landlord insurance policy should cover you for damage from storms, fire and flood, and also for damage caused by tenants or third-party break in or vandalism. But, to help ensure your cover remains valid, you should always try to keep any damage to a minimum.
So, when your tenant first moves in, make sure you (or your agent) gives them clear, written instructions on what to do and who to call if there is a fire, flood or other emergency event at your rental property. Even so, if something does go wrong, your tenant may still call you/the agent in a panic and you need to know what to say and do.
The first priority is to ensure their safety, then – as long as it’s not putting them in any danger – the next step is to take action to minimise damage.
To help you protect your tenant and your property, here is a checklist of what to tell your tenants and what action either you or they can take in the following emergency situations.
If you use a qualified agent to manage your properties, they should be aware of what to do and should manage this for you.
If there’s a fire
For small leaks or frozen pipes
If there’s a major leak or flood
If there’s a smell of gas
If the property’s suffered damage during bad weather
If there’s been a break-in or vandalism
To help ensure you have an appropriate level of cover with your landlord insurance and that you will be likely to have a successful claim should the need arise, it’s worth checking these three key things on your policy:
If you would like a quote for landlord insurance, you can either complete your details online via our website or call on 01903 890044 to discuss your requirements and one of the team will be delighted to help.