Many landlords worry that previous claims may make it difficult to obtain suitable insurance. However, having a claims history typically does not automatically prevent you from arranging cover.
At Cover4LetProperty, we work with a range of specialist insurers and may still be able to arrange landlords insurance quotations for properties where claims have occurred in the past.
While we cannot guarantee that terms will be available in every case, we will make every reasonable effort to identify insurers willing to consider your circumstances – and if cover is not available, we will explain why.
If you have experienced previous losses, we encourage you to speak with us. The earlier we understand your situation, the more effectively we can explore suitable options for you.
Types of previous claims we may be able to consider
Examples of claims that landlords commonly ask us about include:
- fire damage;
- flooding;
- escape of water or water damage;
- malicious damage;
- theft or attempted theft.
Each insurer assesses risk differently, so even if one provider has declined terms in the past, another may still be able to help.
Information we will need about previous claims
To obtain accurate landlord insurance quotations, insurers normally require details such as:
- the date of the loss;
- the amount claimed (including incidents reported but not pursued);
- a brief description of what happened.
Providing complete and accurate information helps insurers assess the risk properly and may improve the likelihood of obtaining competitive terms.
Where there has been a significant loss, insurers may also ask what steps have been taken since the incident to reduce the risk of similar problems occurring again – for example, repairs, upgrades, or preventative measures.
Why it helps to speak with a specialist provider
Landlord insurance following previous claims can sometimes involve additional underwriting considerations. A specialist provider can help present your circumstances clearly to insurers and identify policies that may still be suitable for your property and tenant type.
The more detail you can provide, the better placed we are to approach insurers on your behalf.
Please contact us to discuss your circumstances
If you have previously made a claim and are unsure whether cover may still be available, we recommend speaking with our team. We are happy to discuss your situation and explain what information insurers are likely to need.
Contact our 01702 606 301 to talk through your requirements and request a landlords insurance quotation tailored to your circumstances.
