Tenants trashed house & insurance not paying out

PasturesNew

Some people lead chaotic lifestyles - the result of that is down to you claiming from the tenant (who probably has no money).

Malicious is when I pick up a sledgehammer and deliberately trash the place.

Chaotic lifestyle is where I'm a clueless and hopeless "bodger" who just thinks that mess and filth and being heavy handed with things is "normal".

I had a friend who had a chaotic lifestyle - house had doors hanging off - she even took one off to try to "contain" her puppy in the under-stair area ... and all the floors were caked in dog poo. That, to her, was "normal".

Rain_Shadow

ecclesto wrote: »

Wow, thank you one and all. I have decided to decorate the inside, sort the garden, get rid of their rubbish and sell the darned thing, so if anyone would like to buy a once loved detached, 4 bed house in Skelmersdale I am open to offers!!!!Never again will I have a house and then rent it out, once bitten twice shy..........

And, finally, we get to the root of the problem. :rotfl::rotfl::rotfl:

Sacredcat

You could Sue the tenants. You may have legal expenses cover.

SnooksNJ

deannatrois wrote: »

The point is, if you'd done things differently (an inspection, different letting agent, more thorough vetting - checking where they lived before they lived in your house etc) the damage would have been prevented/spotted before things got to that state.

The problem was how the letting was done, not letting itself.

So in your estimation it's perfectly acceptable to damage a rental property if there aren't enough inspections and if the landlord uses the wrong letting agent?

csgohan4

Sacredcat wrote: »

You could Sue the tenants. You may have legal expenses cover.

But if the possibility of winning and getting the money back are probably remote, especially for the latter.


Where will the notice go to?

dogfonos

Strikes me there is a vast chasm between 'malicious damage' and 'wear-and-tear'. Many of the instances noted by the OP appear to be caused by recklessness and carelessness allied to a disregard for others' possessions. I don't suppose landlord insurance policies insure against such?

Without knowing the precise agreed responsibilities of the letting agent, I can't make definitive statements but, if I were you, I'd study the agreement carefully as you may have a legal case against them.

Thrugelmir

dogfonos wrote: »

I'd study the agreement carefully as you may have a legal case against them.

What's the likelihood of recovering the legal bill that would be incurred?

Marvel1

ecclesto wrote: »

Wow, thank you one and all. I have decided to decorate the inside, sort the garden, get rid of their rubbish and sell the darned thing, so if anyone would like to buy a once loved detached, 4 bed house in Skelmersdale I am open to offers!!!!Never again will I have a house and then rent it out, once bitten twice shy..........

It's always a risk being a landlord with the type of tenants.

Same as being a tenant with the type of landlord.

FBaby

It's always a risk being a landlord with the type of tenants.

Very difficult to assess though. My tenant was a professional working in clinical practice with direct contact with patients. You would have thought they would have a minimum of hygienic standards. It turned out they most definitely didn't!

enthusiasticsaver

This is why I would never go into btl. The only tenant we ever had in the flat we purchased was our daughter. Some people have no sense of responsibility or respect for other peoples' property. Can you not claim off deposit?