Hi All

I would like to hear from those with experience in making a claim on landlord insurance.

I had to evict my previous tenants for rental arrears (around 3 months through QCAT to get them out), the house was trashed we filled a 10m3 skip bin with rubbish. Holes in walls, modified carport, carpets totally wrecked, front door stuffed plus two security door locks broken…the list goes on.

CBA Landlord insurance inform me I am not covered for "housekeeping" (this is what they call rubbish, filthy walls and carpets) so my daughter and I had to clean the filthy rubbish ourselves plus re-paint entire house and replace the carpets. Believe me I dry retched the whole time! 

It is over a month now since I put my claim in and all I get from the insurer is "we have not had time to look at your claim".

Does anyone know of a general timeframe when insurers get around to settling the claims? I do not even know whether they have accepted it. Basically my claim is for loss of rent. rental arrears and repairs to modified items.

Cheers and thanks for sharing your experiences.