Would landlord insurance ever want to speak to a tenant (with a landlord insurance claim)

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flamingate

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Post by flamingate » Sat Feb 13, 2021 9:19 pm
Tenant lives in a landlords property, there has been damage to the property.

Don't want to get in too much detail but Negligence by the tenant is to be determined, which has caused damage to this property.

Will be an expensive building repair from walls to ceiling to be re-installed.



A simple question regarding the landlord contacting their insurance making a claim,
If the landlord of a tenant uses his own landlord-property landlord insurance to make a claim against their property which the tenant resides, will the insurance company want to speak to the tenant? To get information from the tenant ? if so, in what format would they wish to communicate with the tenant?
or they never want to speak/contact to the tenant?

If the block management insurance of the property wish to make a claim against their property repairs (using the block management insurance) which the tenant resides, will the insurance company want to speak to the tenant? To get information from the tenant ? if so, in what format would they wish to communicate with the tenant?
or they never want to speak/contact to the tenant?

regardless of if there is negligence or not

or they will only want to speak to the landlord Only, and the block management team only? and never require speaking to the tenant?

I am not asking about the tenants' insurance with the property, but the landlords insurance company, and the block managements insurance company

Have you been in this situation as a tenant or landlord, and did your landlord insurance want to speak to the tenant, to hear their version of things?

Foggy

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Post by Foggy » Sat Feb 13, 2021 9:25 pm
Again, outside of the remit of this forum, but, from experience the insurance company will speak to whoever they wish to verify a claim. This can vary from no contact with anyone, and simply paying out, to a full scale investigation to verify facts. The methods of contact will usually start with a phone call or letter and could then develop to face to face interviews.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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