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Warning ! Landlord policy may not cover fire.

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Check your landlord Insurance policies.


If you have a tenant set fire to your property, the Insurers may refuse to pay out, if there is a malicious damage exclusion in your policy. There are reports of Insurers winning in court, avoiding paying out.


The case quoted below concerns concurrent causes of a loss. It  means that where a concurrent peril caused a loss, the peril with an exclusion applying will be relevant. . As the property owner you will point to the Fire peril and the Insurers will point to the malicious damage peril which has the exclusion applying.


"Wayne Tank & Pump Co. Ltd v Employers' Liability Assurance Corporation [1974])"


Your tenants may be lovely, but things can change. A relationship breakdown leads to hitting the bottle, followed by setting a fire in your property. The tenant admits to arson and your Insurers refuse to pay out. It may not be a malicious act against you as Landlord, but are you willing to spend months or years in litigation against Insurers ?


it may be wise to check your landlord Insurance policies and if the malicious damage exclusion is contained in the wording, to contact Brokers or companies to find a policy without the exclusion.



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