Updating post from Reddit.
My landlord insurance doesn't include accidental damage.
The last tenants have now, thankfully left my property, but they have caused a lot of damage.
Such as; burning the kitchen worktops, cutting a cat flap hole into my uPVC door and buckling the ash tray door on my multi fuel stove.
When I contacted my insurance company, they said that these things would not be covered, because I do not have accidental damage on my landlord insurance. But surely, cutting a hole in my uPVC door is not accidental?
If I reported this damage to the police, via 101 online, could I say it was malicious damage?
Has anyone else been in this predicament?
Take from the deposit and or get started with small claims court?
Did you take a deposit from the tenants? Make a claim to the tenancy deposit scheme you registered it with.
Malicious damage by tenants is often excluded even when you have accidental damage cover. Check your policy wording.