How to: Methamphetamine Contamination Claim
Methamphetamine contamination in a rental property can be an alarming and confusing time for property owners. There are conflicting theories on what levels are acceptable and what needs to be done to get the house livable again. Initio keeps it simple and adheres to the Ministry of Health Guidelines which state that any house reading more than 1.5mg of methamphetamine per 100 cm2 needs to be decontaminated.
If your short or long term rental property has tested positive for the presence of methamphetamine and you have house insurance with Initio, here’s what you need to do:
- If you haven’t already, you need to get a detailed room-by-room test completed. This will show you which specific areas of the house are contaminated.
- Log into your dashboard on the initio website and click on the make a claim button.
- Fill in the form and attach your test results.
- We’ll email or call you within one business day.
- Does my initio landlord insurance policy cover methamphetamine contamination?
Yes; however, the cover is specific and limited to $30,000:
Where the contamination damage occurs in connection with any tenancy or occupancy of:
- More than 90 days, there is no cover unless you, or the person who manages the tenancy on your behalf, have fully met the ‘landlord’s obligations’ under the ‘Policy conditions’; or
- 90 days or less, there is no cover unless the contamination damage was caused by an accidental incident in connection with the manufacture, distribution or storage (but only where the storage is in connection with supply or distribution) of methamphetamine at the home.
- What is the excess?
All methamphetamine contamination claims have a specific excess of $2,500.
- Can I start cleaning the house?
Not yet, please follow steps 1-3 above and then we’ll work together on getting the house livable again.
“All claims are different and they are assessed on their own merits and facts. The above does not imply a guaranteed approach to all such claims”
Methamphetamine is not a discriminatory drug … anyone could be using or manufacturing methamphetamine in your rental property … even your tenants!