In the event of DAMAGE at your rental property
Contact the Emergency Services immediately and ensure occupants are safe and out of the premises – this will likely happen before you (as Landlord) are notified in any event…
In the event of making a claim for Damage
When it comes to making a claim, be ready with full details and evidence of the damage when you call your insurer. Have your Landlord’s / Property Owner’s insurance policy to hand. This will help speed the process along.
Note that (for minimal damage) it could often be cheaper to pay someone to fix any damage without claiming on your insurance as your premium could rise as a result of making a claim, and this may affect your no claims bonus/discount entitlement. Also, your policy excess may reduce any amount you are entitled to claim considerably.
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