Gee
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The same thing happened to me and we are still chasing our insurance company after once being denied. They claimed it was not malicious damage. I am arguing that it was pretty malicious. Not sure what the outcome will be but having learnt some lessons, unfotunately now some legitimate people will find it almost impossible to rent properties. Also, I am going to do some more dedicated research before I take out anymore insurance policies.
Basically, if I had put the same amount of money into a high interest account and or invested wisely, I would've actually got something towards the cost of cleaning up and refurbing the property. As it is, I've lost months of rent waiting for the insurance company and loss adjustors and still have to pay for everything myself. I am also going to try and reclaim some of the loss of rent from the insurance company. Nothing ventured, nothing gained.
Wished there was such a thing as a decent insurance company.
Good luck though.
Sorry to hear that. Would you care to name and shame your insurer, as I feel this is the only way the consumer can make their feelings known and then vote with their wallets elsewhere!
Cheers
Gee
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