Martin M

Registered with Property118.com
Sunday 5th June 2016


Latest Comments

Total Number of Property118 Comments: 10

Martin M

16:58 PM, 12th June 2016
About 4 years ago

Tenant is an Offshore Worker

Reply to the comment left by "Paul Fay" at "12/06/2016 - 16:25":

Hi Paul,
Thanks for the reply. My own insurance covers me as normal, except water damage, provided someone checks property every 7 days which is fine. Going forward I will ensure next policy covers up to 90 days, which I have since discovered is possible.... Read More

Martin M

10:30 AM, 9th June 2016
About 4 years ago

Tenant is an Offshore Worker

Hi all,
I managed to speak with the tenant who assures me someone is regularly checking the flat in his absence. I have confirmed the insurance details with him in writing to ensure the policy is not invalidated. Following this I have discovered insurance companies who do cover up to 90 days. Searching "landlord 90 days unoccupied" does display companies who cover this period with a handful not requiring the 7 days inspection internal and external which was my issue.
Whilst my issue is resolved I do find it interesting that if the tenant wasn't getting property checked and refused entry my insurance policy would be invalid but I have no right to do anything about it until I can obtain access via court. Surely this would also apply with possible abandonment of property. You wouldn't be able to contact tenant to confirm access was ok and would need to wait 2 months for access via court. Meaning no 7 day checks being carried out.
Essentially thanks for input from everyone and I will be gladly making a donation to the page.... Read More

Martin M

16:25 PM, 8th June 2016
About 4 years ago

Tenant is an Offshore Worker

Reply to the comment left by "Jason McClean" at "07/06/2016 - 19:03":

Hi Jason,
I contacted Orwell and policy quoted only requires property checked every 14 days. However if I am checking property I am as well keeping with existing policy. They do offer FLEA cover for the period though.
If I ask the tenant for access and receive no response is it considered reasonable to proceed and carry out a check on the basis my insurance is invalid without doing so?
If the tenant refuses access then it seems unfair I am not able to keep my insurance valid through no fault of my own.... Read More

Martin M

9:19 AM, 8th June 2016
About 4 years ago

Tenant is an Offshore Worker

I note citizen advice (Scotland) states 'The landlord has a right to enter the property to check to inspect the state of repair, provided the tenant is given 24 hours notice'
Given the insurance requires an inspection every 7 days whilst property is empty is this how I should proceed? Contacting tenant to advise then proceeding. Although my only concern is if I get no response from tenant or they refuse.... Read More

Martin M

8:59 AM, 8th June 2016
About 4 years ago

Tenant is an Offshore Worker

Reply to the comment left by "Seething Landlord" at "08/06/2016 - 00:09":

Hi SL,
Thank you for your input. Whilst the tenancy agreement doesn't specifically mention the insurance policy this situation is covered through a few other clauses. If tenant was to refuse access I could then move towards repossession however that is not a quick process and the tenant would possibly be back before then?... Read More