Insurance question.

[flashie*]

This is the scenario.

A person rents a property.

They have no contents insurance..........(landlord has the house insured)

They accidentally cause a fire which causes significant damage...........(that it was accidental is confirmed by fire investigation report)

Insurance company repairs house.

Tenant moves back in.

Now the insurance company is wanting the tenant to repay a considerable amount (in the 10's of 1000's) in recovery as it was their negligent behaviour which caused the fire.........(a pot was left on the stove)

Is it normal for the insurance company to do this..............or is just this insurance company?

[siggie-reported-by-alarmists]

For sure...lol.

[lyndal1838]

They would be better off letting the Insurance company have them declared bankrupt.....no fees for them to pay.  They will probably find the insurance company will not bother once they find out that there are no assets for them to get.

[azureline**]

It doesn't sound like the tenant deliberately started the fire.

[lloydslights]

It seems the best option for future, would be the Landlord/Tenant Agreement to include Contents Insurance; and accordingly an increase in the weekly rent to cover those costs.

Another scenario.  If the fire had been an electrical fault, would the Landlord have to pay for the Tenant's contents lost in the fire?

DEB

[imastawka]

Reading a few policies on-line for landlords insurance it appears

that if it had been the landlord's fault then the insurance would

cover the tenant's contents.

[the_hawk*]

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@flashie* wrote:

This is the scenario.

A person rents a property.

They have no contents insurance..........(landlord has the house insured)

They accidentally cause a fire which causes significant damage...........(that it was accidental is confirmed by fire investigation report)

Insurance company repairs house.

Tenant moves back in.

Now the insurance company is wanting the tenant to repay a considerable amount (in the 10's of 1000's) in recovery as it was their negligent behaviour which caused the fire.........(a pot was left on the stove)

Is it normal for the insurance company to do this..............or is just this insurance company?

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Its quite simple the house insurance covers the property owner, when a loss that covered under the policy the insurer will pay the cliam.

Now this is where it gets technical, if the insurer is convinced that a negligent act caused the damage they are free to recover their loss from that person.

Had the tennant had contents insurance with public liabilty then the home insurance would be chacing the contents insurance under the public liability section, so even if you dont think your contents are worth insuring it may pay to rethink what will happen if you cause a loss to someone or thing that you are libal for.

see told ya it is simple, have insurance and cover ya butt

[happyroo_bunji]

I don't have contents insurance.  Not sure if I could actually afford it. Thankfully in my years of being a renter, I've never had a problem

[gleee58]

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@happyroo_bunji wrote:

I don't have contents insurance.  Not sure if I could actually afford it. Thankfully in my years of being a renter, I've never had a problem

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If you are worried after reading this you can get contents insurance for less than $20 pm.   😄

[happyroo_bunji]

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@gleee58 wrote:

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@happyroo_bunji wrote:

I don't have contents insurance.  Not sure if I could actually afford it. Thankfully in my years of being a renter, I've never had a problem

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If you are worried after reading this you can get contents insurance for less than $20 pm.   😄

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Thanks glee, after reading the OP it has made a tad concerned.  I will look into it

[siggie-reported-by-alarmists]

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@happyroo_bunji wrote:

I don't have contents insurance.  Not sure if I could actually afford it. Thankfully in my years of being a renter, I've never had a problem

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Ask yourself if you can afford not to have insurance.