Does Initio Insurance provide cover for damage caused by pets?
Does Initio Insurance provide cover for damage caused by pets?
Yes, your policy provides cover for sudden and accidental damage caused by pets.
Key considerations for pet damage claims:
- Sudden and accidental event: The damage must result from a specific, unexpected incident.
- For example, if your tenant’s dog was accidentally locked inside the property for a short period and caused significant damage to doors, walls, or carpet during a stress event, this could be considered a sudden and accidental occurrence.
- Policy excess:
- Your policy excess applies per incident. If the damage involves multiple unrelated incidents, separate excesses would apply.
What’s not covered:
- Gradual damage: For instance, ongoing urine damage that damages a floor is not considered sudden or accidental.
- Cumulative general wear and tear: Scratches on wooden flooring caused over time.
- Incidents over a period of time: Any damage that occurs gradually or as a result of ongoing circumstances.
Conclusion
When assessing pet damage, ask yourself: “Is this wear and tear, or a one-off, sudden event?”
MORE INFORMATION:
More information about if the cause of damage is covered