One of my IPs less that 2 years old in Pakenham has just had water leaks, causing ceiling damage. Turns out rats have been rampant in the roof and have been chewing elec wires and water piping too. Thought no worries this is why I pay insurance. Call up TS and straight away they tell me oh vermin is a policy exclusion. Why don’t I just bloody self insure, I’m so ****** I have been paying for insurance, no claims, first claim nup. Has anyone else come across this? It’s practicaly a brand new home. How can this happen without the tenant being aware? Am I stuck paying for a rewiring, plumbing repairs and plaster and paint???