Jason McClean

Registered with Property118.com
Wednesday 11th June 2014

Latest Comments

Total Number of Property118 Comments: 147

Jason McClean

11:03 AM, 9th March 2021
About a month ago

Is the insurance valid?

Hi Terri

It sounds like a detached house converted into a block of flats.

The freeholder would normally insure this as a block of flats. That is a specific policy that recognises the two addresses and offers benefits such as contents in common cover.

Normally a standard home insurance policy would not be applicable. Indeed, if ever a claim is made and the property has not been disclosed correctly, then you may expect the claim to be declined - that could be financially ruinous for you and the freeholder.

Block of Flats Insurance is not something to fear. It will cost more than the cheap standard home insurance policies, but usually not by much and having the correct cover in place is vital.

If we can help any further, do call on 01832-735388 and ask for Jason, happy to assist however I can.... Read More

Jason McClean

10:55 AM, 19th February 2021
About 2 months ago

Cat and dog allergy issues?

Hi Stewart

Sadly most landlord policies exclude damage by pets. I don't know of any that offer it.

That may change as it becomes more of an issue, but given the propensity for damage and claims, I doubt it will be a cheap option.

Personally, I have allowed pets in the past to my own properties but required an increased deposit and a pet clause in the AST that means the tenant has to pay for professional cleaning/repairs for any pet damage.

Hope this helps.... Read More

Jason McClean

10:48 AM, 17th February 2021
About 2 months ago

Gap and loophole between content and buildings insurance?

Hi Mike

Thanks for the query. I'll try to keep my view as straightforward as possible.

* The buildings insurance should include all aspects of the building and items fixed to it. So built in cabinets, hard floors, walls etc should all be covered. If they are not covered, it is likely because the buildings insurance is pared down to the bone on price and various benefits have been excluded to hit a price point.

* The leak you mention would normally be dealt with as an escape of water claim. I don't know the details on your case so can't really comment, a leak is normally a leak and would be dealt with under escape of water. However, if it is viewed as a maintenance issue by the loss adjustor they may refuse any claim.

* As a leaseholder you can buy contents insurance that should include cover for freestanding items and carpets. If it doesn't then it may be too cheap with benefits removed again to hit a price point.

You ask how to cover yourselves; I'd suggest you ensure good quality buildings insurance through the management company and your own good quality contents insurance.

You tend to get what you pay for and if your insurance is not performing then you should look at understanding the cover actually on offer via reading the documents carefully, reviewing it and possibly looking for alternatives.

I do hope this helps and if you'd like to talk through, do call the office on 01832-735388.... Read More

Jason McClean

15:39 PM, 3rd December 2020
About 4 months ago

How to insure with no company let tenancy agreement?

You can tell your insurer the situation. Then it is up to you to read the documents and ensure they are correct. Any claim will be upheld or repudiated on the paperwork.
So make sure your statement of fact notes there is no AST or agreement in place. As I said, I don't know of an insurer that will insurer those terms, you need to sort an agreement ASAP.... Read More

Jason McClean

11:43 AM, 3rd December 2020
About 4 months ago

How to insure with no company let tenancy agreement?

Hi Graham

Company tenancies still require an AST in place or explanation of agreement that is in place.

A rolling agreement is fine, but my understanding here is there is no agreement in place at all. Without sight of tenant type, I don't think insurers will be interested, it's about as high a risk as possible in their eyes.... Read More