I subscribed to EBM RentCover Ultra a few years ago, after hearing good feedback from this forum. At the beginning of last year, the roof on one of the buildings came off in a storm. My building's roof was intact. However, the council prevented access to the whole building until the roof was fixed. I wrote to EBM to ask if i could claim for rental loss (my tenant was evicted) under prevention of access, but i was told to provide documents after documents before a claim can be established. I felt that i was taken for a ride. EBM / QBE rejected my claim after getting a defect report without inspecting the unit. This is contrary to another independent report the strata organised that states that there weren't any defects before the storm. Furthermore, all the neighbours i have spoken to were indemnified by their insurers. I mean literally the unit upstairs, next to, and below mine were indemnified. My wife and i now have to take on extra work to pay off loans to fix the unit. Stressful experience!