Property inspections (Landlords)
ALERT LEVEL 4 – Property Inspections can be deferred
Your initio landlord insurance policy provides a ‘Landlords Protection’ benefit which provides cover for deliberate damage by the tenant, meth and loss of rents.
A usual condition of the cover is that you satisfy the ‘Landlord Obligations’ which includes 3 monthly inspections of your rental property (or 4 monthly for NZPIF members).
While New Zealand is in Alert Level 4 there is no expectation that property inspections can proceed.
If an inspection is due now or within the next 4-6 weeks you must reschedule the inspection.
Initio is taking a pragmatic approach to this unprecedented situation. If a landlord or their property manager cannot perform an inspection because of Government restrictions (i.e. Alert level 4), or it’s unsafe to do so, then the inspection should be deferred.
We are here to pay claims so rest assured that if there is a pattern of property inspection, leading up to the deferment, and a claim later arises (e.g. for tenant damage, meth contamination, or loss of rents), initio will honour such claims provided the other policy conditions are met.
Once we come out of alert level 4 and if a tenant remains isolated in the dwelling, you should:
- contact the tenant by phone-call or email leading up the deferred or scheduled inspection, and
- if the tenant at the property is self-isolating or sick, then the inspection should wait until after the tenant has been cleared by a health professional.
You and your tenants health is an absolute priority, if you are concerned then do not risk your safety or that of others. See our FAQ’s at the bottom of this page for tools and tips on how you can still keep any eye on your property.
Last updated: 3.23am 28 March 2020