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Abandoned goods covered under insurance?

Discussion in 'Property Management' started by TMNT, 19th Oct, 2016.

  1. TMNT

    TMNT Well-Known Member

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    hey everyone,
    we all know that insurance doesnt cover cleaning costs for landlords,
    basically anything cleaning related isnt covered

    however my PM said thta abandoned goods is definitely coverd,

    has anyone claimed for abandoned goods?
    assuming its substancial amoutns of stuff
     
  2. D.T.

    D.T. Adelaide Property Manager Business Member

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    When you say abandoned goods, you mean as in the cost to get them dumped?

    This would come under Bond rather than Insurance unless I'm misreading your question.
     
  3. TMNT

    TMNT Well-Known Member

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    yes spot on,

    tenatns have left behind 4 skip bins of crap inside the house, bond is long gone, 3 months arrears,

    PM says its different to the tenant just leaving the house a bit dirty for a bond clean, so should be covered
     
  4. D.T.

    D.T. Adelaide Property Manager Business Member

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    Maybe it depends on which state and which policy the landlord has?

    I have an email from EBM I just searched for after you mentioned it that says and I paste verbatim

    "Please ensure that you send this information at the same time and if you are still waiting to receive any of the below information, we are happy for you to wait and send them in the one instance.

    • Tenant Rental Ledger
    • Invoices for Legal Expenses
    • Original Bond Deduction Invoices – rubbish removal, gardening, water, break lease fee
    • Copy of the Tenancy Application
    • Entry Condition Report
    • Exit Condition Report
    • [Other stuff not related to this post]
    "

    ... which I take to mean that those 4 items come from bond. This is the way I've always done EBM claims.
     
  5. EN710

    EN710 Well-Known Member

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    Can you claim the clean up through bond, and the rental arrears through insurance?
     
  6. TMNT

    TMNT Well-Known Member

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    of course, and thats what I intend to do , however 3 months arrears, needs new carpets,
    4 skip bins, labour for removing all the stuff,

    bond is long gone ;(
     
  7. D.T.

    D.T. Adelaide Property Manager Business Member

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    I received 20 weeks rent on a recent insurance claim, it's all about how you structure it.
     
  8. TMNT

    TMNT Well-Known Member

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    really! I need to check but I think my polci ysays 6-7 weeks
     
  9. D.T.

    D.T. Adelaide Property Manager Business Member

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    Mine says 6 weeks too, but you've got to read deeper than that.

    This is verbatim the claim (@185pw):

    "Loss of Rent 01/06/16 – 25/06/16 $660.71

    Denial of Access 26/06/16 – 03/09/16 $1,850.00

    Retenancy Period 04/09/16 – 15/10/16 $1,110.00 "

    This lines up with the dates forms sent, when eviction actually occurred,etc.
     
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  10. TMNT

    TMNT Well-Known Member

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    hmm, wow thanks thats great to know its possible

    Iassume you had to claim them manually, I doubt they would simply offer it upfront :)
     
  11. D.T.

    D.T. Adelaide Property Manager Business Member

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    No that's what they offered. On this occasion they were spot on so I accepted, on other occasions I've disagreed with the dates and they've amended their offer accordingly. It's all about dealing with the right people I think.
     
    brettc and TMNT like this.