karimmalhame@aol.com

Hi there, I have just had a meeting with my insurer's loss adjustor. I was phoned by the police to say that a house I was renting out had been used as a cannabis factory. There is the usual damage with holes cut into the ceilings and electricity system bypassed and doors taken off. The insurers are claiming it is not malicious damage !?!?!?!?! I am dumbfounded. How can it be anything but malicious, it was certainly not benevolent damage! What's the point in insuring on landlord policy if you are not covered for landlord type problems such as these? Is anyone else having this issue and have you sought legal advice? If so how far. The loss adjustor mentioned there were 3 cases going on at the moment of landlords fighting the insurers who are trying to wriggle out of their commitments to their customers. I am considering taking legal action and would welcome joining up to bring some sort of class action against insurers if someone else is doing so. Let me know.