Insurance didn't pay out, was this right?

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    Insurance didn't pay out, was this right?

    I let a house to a scumbag who left the property in a bad state and stole the boiler, plus other smaller items.
    Called my insurance who advised that it wasn't covered as he hadn't "broken in to the property". He had the keys, therefore he wouldn't need to break in.
    I accepted it at the time but looking back doesn't seem fair, doesn't actually make any sense at all.
    I've since repaired the property and just as it was nearing completion it got broken into and the boiler was taken again, flooding the place and causing loads more damage. This time the insurance wouldn't pay out as it was empty for more than 60 days, fair enough.
    The first "claim" was going back about 2-3 years, so may be out of time anyway now, but just to know if I was treated correctly.
    The insurance was from one of the mainstream providers and was a correct landlord type policy.

    Sadly I'm unable to read the terms of the insurance policy(s) from here but if you read it it should tell you.

    Did you change locks after he left?

    Have you reported both thefts to Police & got a CRN each?
    I am legally unqualified: If you need to rely on advice check it with a suitable authority - eg a solicitor specialising in landlord/tenant law...


      Boilers are strange things to steal!

      A typical insurance policy would have those exclusions, but, as already pointed out, we'd need to see the wording of yours.

      The correct approach is to get a criminal conviction and then sue the offender on the back of that, at least for the first one.


        Originally posted by leaseholder64 View Post
        Boilers are strange things to steal!
        Probably the same guy, he knew there would be a brand new boiler there and obviously has a market for them. (Or fancied a new one for himself).

        Try proving that though.


          Have you seen what Shea from 'The Shea Show' has to do in Detroit?

          There he removes the furnace & water tank as soon as someone moves out, and they are only reinstalled on the day a new tenant moves in.

          I wonder if that is a possibility for you?


            Theft by people lawfully allowed in the home is generally not covered. There is a chance it could fall under a "Malicious Damage by Tenant" claim but you would firstly need this cover is place and secondly need an insurer that considers the removal of the boiler as malicious damage. Only your insurer T&Cs can answer that.

            The second instance is a straight forward theft (and consequential damage from the theft). Every insurer has different rules on how long this cover can remain in force while unoccupied. It seems you have accepted their 60 day terms but maybe consider looking at specific unoccupied property policies that can provide full cover for the full policy term for protection going forward.
            Steve Smith - Company Director at a leading Landlord Insurance broker with 20+ years experience in the industry
            LandlordZONE Verified Poster and Topic Expert for Landlords Insurance since 2009
            See my profile for contact details


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              20-03-2019, 21:10 PM
            • Reply to A slightly more complicated water damage issue
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              22-03-2019, 15:04 PM
            • Reply to A slightly more complicated water damage issue
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            • Reply to A slightly more complicated water damage issue
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            • Reply to A slightly more complicated water damage issue
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