Agents and landlords urged to check insurance policies 

The importance of landlords and agents reviewing their insurance policies to avoid invalidated claims. Michael Sears from Propertymark emphasizes that landlords and agents have a responsibility under the Insurance Act 2015 to disclose all material facts to insurers. Failure to provide tenants with a copy of the insurance policy can lead to negligence claims if tenants cannot comply with policy requirements.

Sears also advises landlords and agents to thoroughly review their insurance schedules and outlines key compliance measures, such as providing up-to-date gas safety certificates, ensuring tenancy agreements are in place, fitting smoke or CO2 detectors, and adhering to fire safety regulations. Specific conditions for unoccupied properties and flat roofs, as well as contractor liability and basement disclosures, are also discussed. Regular inspections, security measures, and other compliance steps are recommended to maintain coverage and reduce risks of claim rejection.