Does Initio Insurance provide cover for damage caused by pets?
Your policy will cover you for sudden and accidental damage caused by a pet.
The main areas to consider in regards to any claim for pet damage.
- The damage must relate to a “sudden” and “accidental” event.
- For example, if your tenant’s dog was accidentally locked in the property for a short period of time. The doors, walls and carpet didn’t win the fight and the dog caused a large amount of damage during a stress event.
- Your policy excess applies per “incident”. If the damage is not related to one incident then multiple excesses could apply.
What’s not covered
- Gradual damage. Eg, if a floor cannot be cleaned because of ongoing urine damage. This is not considered a sudden and accidental event.
- Wooden flooring that’s been scratched multiple times over a period of time.
- Any incident that has happened over a period of time.
In conclusion, ask yourself ‘is this wear and tear, or is this a one-off event?’
MORE INFORMATION:
More information about if the cause of damage is covered