Different insurance companies offer different levels and types of coverage for accidental damage. This could impact the outcome of any claim. Before you sign a policy, it is important to understand what accidental damages are.
Accidental damage could result from a ball hitting the window or a nail entering a pipe while trying to hang a photograph. You can slip through ceilings if you are high up in your attic. These cases are often caused by tenants leaving taps unattended.
Insurers do not offer insurance for accidental damage. Although accidental damage insurance covers genuine accidents, each insurer offers different coverages. Certain things are not covered by accident insurance. Content damageCats can be destructiveDesign and work defect can cause damageGeneral wear and tears
What can you do about tenants causing damage?
It is not easy to prevent accidental damage. These steps will help landlords reduce the chance of accidental damage.
Refer references to vet your tenants
You and your agent can meet to gain a better understanding about potential tenants’ personalities, work habits, and lifestyles.
Tenants need to have a good working relationship
Tenants will be happier if you answer their questions quickly and address them as soon as possible.
Intelligent design can reduce the chance of accidental damage
Durability is important in choosing flooring, worktops or bathroom suites.
It is important to ensure that your property is in a good condition.
This will decrease the chances of tenants DIY-ing.
Be extra cautious if you live in an area that is susceptible to malicious damage
Secure the gate with reinforced windows
Get insurance to cover accidental damage
The accidental damage claim ireland warns landlords about the possibility of anything. Premier Insurance protects you against accidental damage. Most policies don’t cover accidental damage.
Business Name :- Property Claims Loss Assessors