John

Registered with Property118.com
Sunday 22nd April 2018


Latest Comments

Total Number of Property118 Comments: 4

John

10:29 AM, 13th October 2021, About 4 days ago

Tenant changed lock - is the landlord obliged to pay?

Why did you not contact the landlord. In my experience the management co.would tell you to do this and would take no action until you had.
Also what is a fireproof lock?
It seems to me you did act in haste and assumed the landlord would pay. Maybe you should agree to split the bill so that you start the tenancy on a good footing. Even half this amount sounds like a lot.... Read More

John

9:54 AM, 22nd September 2021, About 4 weeks ago

Cautionary tale to include fire cover clause in AST!

General comment to Carol. I am not sure if you have but talk to your insurance company. As I said before and Clint seems to agree with don't assume the loss adjuster is correct. I think Clints approach is sensible because he is happy to challenge what he is told.
If you thought you were covered after reading the policy then you had that expectation and the insurance company should explain why your expectation was incorrect.
As far as I am aware it costs nothing to take your case to the ombudsman.
If your own loss adjuster costs 15% of the claim as you say this is 15% if he wins. Surely better than paying everything yourself. Other than that he will probably charge a fee of a couple of hundred pounds but worth checking.
I can only speak from my own experience and why I tend to agree with Clint.... Read More

John

8:56 AM, 21st September 2021, About 4 weeks ago

Cautionary tale to include fire cover clause in AST!

In reply to Ian Narbeth on 20/09/21 -17.06
In my case the policy covered temporary accommodation for the tenant, removal and storage of furniture and repairs to the property after a flood. In the meantime the tenant continued to pay me the rent. I assumed this was normal in a buildings insurance policy.
As for the loss adjuster he initially told me that the tenant would stop paying the rent and would have to find their own temporary accommodation. The insurance company would then reimburse me for loss of rent, a cheaper option for them. This was incorrect.
Obviously this policy would not cover tenants contents which should be insured by them.... Read More

John

16:02 PM, 20th September 2021, About 4 weeks ago

Cautionary tale to include fire cover clause in AST!

You should not always take the loss adjuster at face value if they are appointed by the insurance company. You can employ your own loss adjusters. I have had 2 previous claims where the same loss adjuster gave me incorrect information.
Don't forget that the loss adjuster is there to protect the insurance company's interests not yours.... Read More