Carpet Damaged from Pet urine: Malicious Damage?

what is your take and the general accepted for insurance purposes,

currently doing an insurance claim and the carpet is damaged beyond repair , but the insurance company is saying its not maliciuous unless there is a police report

never had pet pee involved

 

Accidental damage

 

The pet has maliciously pee on the same spot overtime

Accidental I say

 

Only malicious if you make the dog hold on.

 

Pet clause in the lease (hope you had one) should make the tenants responsible - claim from bond or take to the Tribunal.

 

Yes, my insurer (probably same one as yours) also said it's accidental unless you have a police report. They paid for carpet to be replaced in one of my properties. It was only 12 months old but it was the tenants who peed on it.
Are you SURE it was the pet?

 

How could it possibly be malicious ? Some pets are very smart, but none would intend to damage your carpet. Ask yourself , what does a pet intend when it relieves itself.

The tenant however is responsible if your lease says pets are outdoor and they were indoor and made a mess.

The previous post is a good point, if the pets were outdoor ones, then it may not have been pets, this could then be malicious.

 

Good point i might say the tenant peed on it. Since they arent there any more

 

With the correct insurance it shouldn't matter if it's considered malicious or accidental. Although realistically the pet did it accidentally and the tenant maliciously damaged the carpet for continually letting it occur!

 

How bad are we talking? A carpet shampooer will
mostly do the job. Probably be able to find a local company on gumtree or the local area Facebook buy and swap. Hire a steam cleaner from IGA or Coles. Steam clean it, than pay for it to be shampooed then re steam clean it.

 

Gets into the underlay. Carpet cleaners really only do the top layer. Smell will remain and stains will come back

 

I bought a house that had been empty for 3 months and smelt of cat pee. At settlement 4 weeks after that, the carpet and underlay were pulled up and the concrete was still wet. Disgusting.

To put it lightly, I really don't like the accidental damage rule. I had a lovely flower pattern made on my carpeted floor once. The petals of the flower were created by an iron. It was deemed accidental damage. BS.

 

There is no end to human creativity.

 

according to the flooring guy, its not even cleanable, apparently the urine is too much.


as for insurers, my one is currently declining it but im in negotiations with them