In the event of a fire in your rental apartment
Contact the Emergency Services immediately and ensure occupants are safe and out of the premises – this will probably happen before you (as Landlord) are notified in any event…
Contact the OMC directly – they will have a procedure in place on what to do next…
In the event of making a claim for Water Damage / Fire 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 Contents) insurance policy to hand. This will help speed the process along.
In terms of the OMC Block policy, the representative (property manager) from the OMC is usually tasked with the notification to the Insurer and the conduit for all liaisons between you and the Insurer, albeit the Insurer’s Loss Adjuster will also liaise with you.
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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