Returning to your property that has been affected by natural disaster can be a painful experience. In these circumstances, a tenant will look to their Landlord/Property Manager for support. Your rights and responsibilities include insurance claims to protect the property and its tenants.
The first thing a Landlord/Property Manager will need to do is arrange repairs. Take care not to exceed the insurance cover. Contact your insurer straight away and follow their advice before authorising any repairs or clean-up. Essential repairs include gas, electricity, water and sewerage treatment.
Before any clean-up and repairs, gather evidence. Take photos and videos of the damage to get an understanding of the loss. Make a detailed inventory. You will also not want to completely dispose of damaged items as the insurance assessor may need them.
When the repairs are completed, the tenant is entitled to be reimbursed for the cost of the repairs, usually up to a maximum value $1,000 or two weeks’ rent. The regulations differ in each state and territory so check what applies in your area. Ensure that you get tax invoices and receipts from your tenants.
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