Need advice on how to claim landlord insurance

duluxe2000 on 16/05/2017 - 17:43

Hi Ozbargain community,

This is my first time to make a claim so I'm not sure how to do it (right). And it does not help given I'm really stressful about what happened to our first and only house as the tenants conducted some malicious activities within our house :(

Right now we're in the process of making a landlord insurance claim, and a loss adjuster contacted us. In addition, they requested several documents, including a Building Inspection Report for loss of rental claims.

I have a couple of questions and would like advices :

  1. What does a loss adjuster do ? What do I need to prepare before the meeting with the loss adjuster for my claims ?
  2. What is a Building Inspection Report ? Is it the same report we purchase when we buy a property ? Do you recommend any company who does it in Sydney ?

Thanks for reading

Home & Garden

Comments

  • myusername on 16/05/2017 - 18:32
    -1

    i see an ad for this company all the time on 9Life https://www.terrischeer.com.au/

  • superb on 16/05/2017 - 20:08
    +3

    In case you are renting thru a real estate agent a Building Inspection report is normally provided every six months that lists and verifies the condition of the various assets/fittings.

    • duluxe2000 on 16/05/2017 - 21:57
      +1

      Thanks, you don't know how much you helped me. I'm confused with the Building Inspection Report is normally purchased before one buys a house and almost order one.

      • ihbh on 16/05/2017 - 22:49

        He might have mislabeled it. It's a condition report.

  • [Deactivated] on 17/05/2017 - 00:00
    +1

    I believe a conditional report is the report done before the tenants move in.
    Then the building (property) inspection reports( I could be wrong) are the routine ones done by the real estate agents occasionally depending on the state your property is in.
    I had a similar issue years ago when tenants allowed a dog to damage the property. I didn't have the conditional report, so I could not claim as i couldn't prove the damage was there when they moved in, even though the real estate did many routine inspections.

  • pebee47 on 15/06/2017 - 15:11

    A Building Inspection Report may be a condition inserted into the offer to buy and required to be addressed to the purchasers satisfaction before settlement. It is usually done by an Engineer, Building Inspector or qualified Builder and relates to the structural integrity of the building (not about the wallpaper peeling in the 2nd bedroom due to kids actions). Rising damp; rotting/rusted roof trusses, collapsing walls, etc sort of stuff.
    A property condition report is done before during and after a tenant's occupation.
    Different States, RE Agencies etc call these by different names.
    Essentially the buyer wants to know if the building is structurally sound before splashing the Cash. The Landlord wants to know if the tenant has trashed the joint.

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