If an insured rental property is damaged or another insured landlord event occurs, contact Webber Insurance or the insurer promptly. Early notification helps confirm the next steps and the evidence required.

What should I do after property damage? #

Where it is safe to do so:

• Take reasonable steps to prevent further damage.
• Arrange necessary emergency work.
• Take photographs or video.
• Retain damaged property where practical.
• Keep receipts, invoices and repair quotations.

For substantial permanent repairs, give the insurer an opportunity to assess the damage before committing to major costs where practical.

What information might be required? #

The documents depend on the type of claim, but may include:

• Photographs and repair quotations.
• Proof of ownership.
• The tenancy agreement and rental ledger.
• Entry, inspection and exit condition reports.
• Correspondence with the tenant.
• Details of rent and periods when the property could not be occupied.

What if the claim involves tenant damage? #

The insurer may need to distinguish malicious damage from accidental damage, wear and tear, poor maintenance or other excluded deterioration. Clear condition reports, dated photographs and inspection records can be especially important.

What if the claim involves lost rent or rent default? #

For loss of rent following insured damage, retain evidence of the normal rent and the dates the property could not be occupied.

Rent default claims can have different notification and documentation requirements. Contact Webber Insurance early rather than allowing unpaid rent to accumulate before checking the policy conditions.

Do not admit liability or promise payment to another party without first discussing the matter with the insurer or Webber Insurance.