Insurance didn't pay out, was this right?

  • Filter
  • Time
  • Show
Clear All
new posts

    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


            Latest Activity


            • Not quite another water leak question.
              So today it was discovered there is a leak in our kitchen, directly above our window. I did some investigating and found a possible source, which appears to be a crack on the outside of the building, but above where our ceiling ends and above where our upstairs neighbors kitchen floor begins. The problem...
              16-03-2019, 15:46 PM
            • Reply to Not quite another water leak question.
              I'm not the freeholder. I only own the house I currently live in. I tried contacting the letting agent, but that was on Saturday and I'm calling Monday. I had another look and noticed on the roof there are a few tiles loose above where the leak is, so I'm assuming that is the responsibility of everyone...
              17-03-2019, 22:43 PM
            • Reply to Not quite another water leak question.
              I'd start with the letting agent - they're possibly in touch with the estate.
              17-03-2019, 11:52 AM
            • Reply to Not quite another water leak question.
              The trustees aka executors of the will hold ownership of the property. If no will the property will be subject to intestacy rules. Check the probate office for the name of the owner as a will is in the public domain and it will also name the trustees who won'tbe difficult to find once you have their...
              16-03-2019, 20:49 PM
            • Reply to Not quite another water leak question.
              Someone still owns that flat.You need to try and find out who and ask them to check for leaks - although if the place is empty the water is probably off and then you are looking at possible rainwater penetration.Are you the freeholder?
              16-03-2019, 18:48 PM
            • Insurance/charity
              Forever Forest
              Does anyone know of any insurance companies who offer LL cover if the property is leased to a charity?

              Many thanks in advance.
              25-01-2019, 18:19 PM
            • Reply to Insurance/charity
              I though it sounded a good idea when my agent said a charity was interested in renting my house, to house single mothers and I just let him get on with it. But now I've probably fallen foul of my insurance company.
              I did not realize I was entering into a lease, Did not see the lease as the agent...
              14-03-2019, 16:40 PM
            • Policy details
              Hi on my insurance policy it states a 50% uplift. My understanding is that means insuring for 50% increase for inflation (in ONE year) for a potential rebuild!
              Have I understood this correctly and is this just yet another way to inflate the premiums?
              05-03-2019, 14:53 PM
            • Reply to Policy details
              Hi thanks for taking time to reply.
              Yes - it does say in the lease that the freeholders have the right to insure.
              However I spoke to the Lease Advisory Service and they said I only need to be insured for what it says in my lease. Therefore expecting me to insure their hundreds of riskier...
              08-03-2019, 11:49 AM
            • Water escape liability question - managing agent and / or owner?
              Hi, first post here and really hope someone can help!

              Three months ago there was water escape from the top flat that went through two others and then amassed in my ground floor flat. The owner was impossible to get hold of but I got a plumber to stop the leak and make a temporary repair....
              05-03-2019, 12:40 PM