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Fly tipping paragraph in Landlord Insurance

To anyone working in Insurance or Claim departments.
In my Landlords Policy, in the Policy Wording for the Property Section, there is a part entitled Fly Tipping, which reads...

"We will pay for costs incurred with our consent for the removal of property illegally deposited within the boundaries of the premises and the cleaning of the premises after removal provided that we will not pay for any loss occurring when the premises are unoccupied"

What exactly is that referring to please?
My tenants have now moved out, but there is a lot of rubbish in the back garden and also in the front garden. I have no way of knowing if that is all their stuff or if anyone else has dumped it there.
Would this paragraph apply in my situation?
What exactly would I say to the Insurance company for a claim to be accepted?
I have been quoted about £200 for removal of all the rubbish in the gardens! Would I be better of just removing it and try to get the place ready for viewings?

Comments

  • tarman wrote: »
    To anyone working in Insurance or Claim departments.
    In my Landlords Policy, in the Policy Wording for the Property Section, there is a part entitled Fly Tipping, which reads...

    "We will pay for costs incurred with our consent for the removal of property illegally deposited within the boundaries of the premises and the cleaning of the premises after removal provided that we will not pay for any loss occurring when the premises are unoccupied"

    What exactly is that referring to please?
    My tenants have now moved out, but there is a lot of rubbish in the back garden and also in the front garden. I have no way of knowing if that is all their stuff or if anyone else has dumped it there.
    Would this paragraph apply in my situation?
    What exactly would I say to the Insurance company for a claim to be accepted?
    I have been quoted about £200 for removal of all the rubbish in the gardens! Would I be better of just removing it and try to get the place ready for viewings?

    Even if they would pay for it's removal how much is your excess? unless it's way lower than £200 then they wouldn't even pay anyway.
    Those who risk nothing, Do nothing, achieve nothing, become nothing
    MFW #63 £0/£500
  • AdrianC
    AdrianC Posts: 42,189 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper
    tarman wrote: »
    To anyone working in Insurance or Claim departments.
    In my Landlords Policy, in the Policy Wording for the Property Section, there is a part entitled Fly Tipping, which reads...

    "We will pay for costs incurred with our consent for the removal of property illegally deposited within the boundaries of the premises and the cleaning of the premises after removal provided that we will not pay for any loss occurring when the premises are unoccupied"

    What exactly is that referring to please?
    They'll pay for rubbish fly-tipped, but only if the house is occupied. Not if it's empty and unoccupied.


    My tenants have now moved out
    So it's empty and unoccupied...

    I have been quoted about £200 for removal of all the rubbish in the gardens! Would I be better of just removing it and try to get the place ready for viewings?
    Yes.
    And remember - it's commercial waste, because you're disposing of it in the course of your residential lettings business.
  • The interesting question is - when did the "loss" occur? When the rubbish was deposited, or removed? The former happened while the property was occupied, the latter while unoccupied.
  • AdrianC
    AdrianC Posts: 42,189 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper
    The interesting question is - when did the "loss" occur? When the rubbish was deposited, or removed? The former happened while the property was occupied, the latter while unoccupied.
    If it was left while the house was occupied, why isn't the tenant paying for it through a deduction to their deposit? It'd have been hard to miss at check-out...
  • G_M
    G_M Posts: 51,977 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    edited 30 January 2019 pm31 2:01PM
    And the OP's excess is likely to be £100 at least so he'll receive £100 at most.


    Plus an increased premium next year......


    Claim off the tenants is they left if or it was dumped during ther tenancy, otherwise suck up the cost.
  • ACG
    ACG Posts: 24,243 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Get a skip? They are around half the price.
    Couple of hours in and out filling it up, jobs a good'en.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • AdrianC
    AdrianC Posts: 42,189 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper
    ACG wrote: »
    Get a skip? They are around half the price.
    I'd love to know where you're getting skips from.

    The mini-skip I had this time last year was nearly £300.
  • ACG
    ACG Posts: 24,243 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    AdrianC wrote: »
    I'd love to know where you're getting skips from.

    The mini-skip I had this time last year was nearly £300.

    https://cheadleskips.com

    £100+ VAT, I was looking a few months ago as I am getting some work done in a month or 2. There were a few in and around the £100 mark in our area. These were just the first ones up on google, not necessarily the cheapest.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
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