Carole Wicklow

Registered with Property118.com
Saturday 18th September 2021


Latest Comments

Total Number of Property118 Comments: 12

Carole Wicklow

11:32 AM, 4th October 2021, About 2 weeks ago

Cautionary tale to include fire cover clause in AST!

Reply to the comment left by Andrew Miller at 03/10/2021 - 18:16
One of the largest in the business, I have had to instruct a solicitor so prefer not to say. As Ian says (as does my solicitor) it isn't the wording of the policy. It is the wording of the AST - there is no legal liability/requirement to provide accommodation/storage/transport of tenant chattels in it, so the insurer will not pick up the liability because it is not there for me as the landlord to cover.
I have three A levels and 15 O levels (showing my age now 🤣) and would have expected that clause to kick in, until the loss adjuster explained why it does not.... Read More

Carole Wicklow

14:54 PM, 3rd October 2021, About 2 weeks ago

Cautionary tale to include fire cover clause in AST!

Reply to the comment left by Andrew Miller at 02/10/2021 - 08:35
We will pay your costs of reasonable alternative accommodation for your tenants and temporary storage of your tenants furniture while the residential portion of the property can not be lived in or access is denied as a result of damage. This cover will only apply where we have made a payment or accepted liability under the Buildings Section of this policy.
The most we will pay etc.etc.
Provided that tis cover is not insured elsewhere.
It is not insured elsewhere and they have said they are going to rebuild our property.
Go figure?... Read More

Carole Wicklow

9:34 AM, 28th September 2021, About 3 weeks ago

Cautionary tale to include fire cover clause in AST!

Reply to the comment left by Ian Narbeth at 27/09/2021 - 11:44
Thanks again Ian. No-one believes me! I have an email from the Loss Adjuster confirming that both they and the insurance company are standing firm on this one. I have referred the matter to my solicitor now who also agrees with you. Here's hoping this ends up in court so the point can be proven beyond doubt.... Read More

Carole Wicklow

9:28 AM, 28th September 2021, About 3 weeks ago

Cautionary tale to include fire cover clause in AST!

Reply to the comment left by AP at 25/09/2021 - 07:31
Loss of rent is an oprional extra which I did not take out because as our tenants move out we are selling up. The properties were bought for the future, which appears to have arrived in the guise of a burnt out bungalow! In theory, our rent would have been covered in the event of a disaster by the clause I have already mentioned.... Read More

Carole Wicklow

9:08 AM, 22nd September 2021, About 4 weeks ago

Cautionary tale to include fire cover clause in AST!

Reply to the comment left by Ian Narbeth at 21/09/2021 - 16:20
Thanks again Ian. You are saying exactly the same things as the LA. The insurance policy is easy to read and I would have stated categorically that we were covered for tenant accommodation etc. To find out legally that that is not the case has been akin to having a rug pulled out from under me. I don't know what I don't know, nor do I have any kind of legal background to argue the point.
As you can see from the heated comments here, either people don't believe me or feel I should be arguing a case I legally do not understand.... Read More