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What is accidental damage claim ireland?

by eugenefrank759
accidental damage claim ireland

Different insurance providers offer different levels and types of coverage for accidental damage. This could impact the outcome of any potential claims. Before you agree to a policy, it is important that you fully understand how your insurer defines accidental damages.

Accidental damage is usually caused by a ball hitting the window or a nail being driven through a pipe while trying to hang a photograph. Accidentally falling through the ceiling while up in the attic may be . A large portion of these cases was caused by tenants leaving taps unattended.

Accidental damage insurance does not cover everything.

Although accidental damage insurance covers genuine accidents, the exact incidents covered will differ from one insurer. Some things are not covered by accidental insurance.
Content damage
Pets can cause damage
Design or workmanship defect
Building damage due to construction, alteration, repair
General wear and tear

How can you lower the chance of accidental damage from your tenants?

It is difficult to avoid accidental damage. However, landlords can reduce the chance of accidental damage by following certain steps:

Check references and vet your tenants

You and your agent should have a conversation with potential tenants to get a better idea of their work and personalities.
Build a strong working relationship with your tenants
Tenants will be happier if you respond quickly to their questions and make repairs as quickly as possible.
A thoughtful design can reduce the chance of accidental damage
When choosing floor coverings, worktops, and bathroom suites, consider durability.
Make sure that your property is in good condition
This will decrease the chances of tenants trying to do their DIY, which is a common cause of accidental damage.
Be extra cautious if you live in an area that is susceptible to malicious damage
Install reinforced windows and a lock at the gate.

Make sure you have insurance claim for accidental damage

As the accidental damage claim ireland advise landlords to recognize that accidents can happen. Make sure your insurance covers accidental damages as this is not usually included in standard policies.While accidental damage to contents may not be covered, provided that the property is properly insured with the correct amount, Premier Insurance will protect the buildings from any damage that might occur.

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