Need some advise about landlord insurance claim. Abit of background, My parents rental property has been completely trashed by the tenant growing cannabis. The leasing agent found the property abandon after trying to get in contact with them for several weeks, police report was filed and deem the property to have malicious damage. The police has also advised that the ids of the tenant we all fake.
The lease was for 12 months, 6 months inspection was fine, nothing was suss at that time. We currently hold landlord insurance with aami but we are having a issue with putting in a claim with them as they recently updated their pds with the following
"Things we don’t cover"
Loss or damage to, or caused by, connected with or arising from, or liability caused by, connected with or arising from:
Illegal drugs and other chemical or poisonous substance
any unintentional or intentional use, existence or contamination by, of or due to:
• illegal drugs including but not limited to the manufacture, storage, use, possession, consumption or distribution of any illegal drugs (or illegal drug precursors);
• any other chemical or poisonous substance.”
They are using this as their way out to deny our claim. How are we the landlord have any control over the tenant action. There are no protection for the landlord
and this landlord policy is basically useless.
Is there anything we can do to challenge this?
Any help would be greatly appreciated.