What is the definition of Wear & Tear in a Landlord Policy?

Wear & Tear is often claimed for and always turned down by insurers. That’s because Wear & Tear is a maintenance issue. Maintenance is the responsibility of the Landlord and a Landlord’s Policy is not a maintenance contract. However, wear & tear is open to interpretation and we aim to shed some light on what it actually is & what influences it!

If not Wear & Tear, what am I actually insured for?

Well, every policy wording will have a list of ‘insured perils’. These are what you as a Landlord are insured for. Example may be Fire, Malicious Damage or Theft. Your policy wording will expressly state that wear & tear is not covered.

Get a Quote

Wear & Tear in a Landlord Policy

Insurance under one roof

We are specialists in many types of insurance

What is Wear & Tear?

It is damage that happens to an object in ordinary use during a period of time. In a tenancy agreement it would be explained as ‘reasonable use of the premises by the Tenant and the ordinary operation of natural forces.’ Such reasonable use will inevitably cause some wear & tear over time.

Landlords may for example insure their carpets under the landlord’s contents section of their policy. This will inevitably be more worn at the end of the tenancy agreement than it was in the beginning. This will be very obvious if the carpet was new when the tenancy began.

A reasonable amount of wear & tear in a Rental Property can be depend on several factors & can be open to dispute. Here lies the problem as many Landlord-tenant disputes have arisen over what is reasonable wear & tear. The National Landlords Association has provided some guidance to Landlords, and aims to help them decide what is fair & what’s not.

Important factors to consider:

  1. Length of the tenancy – If it’s a longer tenancy agreement then inevitable there will be more wear& tear.
  2. Number & age of occupants – The more people in the property, the more the wear & tear. If it’s a family with small children, there will inevitable be some scrapes and scuffs on the walls for example.
  3. Wear & Tear V Actual Damage to the property – If something has been broken then this will almost certainly be classed as damage. Let’s say the banister has been snapped for example, this is almost certainly damage due to some excessive force and not wear and tear. Dent in the Wall Plaster, again would almost certainly be classed and damage. It is recommended before making a judgement, as a Landlord you should consider whether an item has been damaged or worn out through normal or natural usage as opposed to a complete lack of consideration or negligence.
  4. Quality of Accommodation – Some newer properties have not been built with the same sturdiness of an older property. As a result they are likely to suffer stresses more easily. As a result, a landlord may have a much greater need for a painter & decorator at the end of the tenancy agreement.
  5. Prevention – Keep your tenant onside & this increase the chances of them renewing their tenancy. If they stay longer term, the less you will need to go in and redecorate every 6 months! You can also choose to freshen up the property regularly even if the tenant is there long term – this will reduce the chances of heavy refurbishment when they eventually do move out.

The above list is not an exhaustive one, but it should help to avoid any disputes & help the landlord considers what should be taken out of a tenant’s deposit, or what is a reasonable amount of damage considering. If you have a Residential Landlords Insurance Policy then you should think about contacting the National Landlord Association or call Property Insurance Centre on 0800 085 3761.

Also if you have a few apartments that could be considered to be a block be sure to check out the information on our block of flats insurance page.

Block of Flats

block-of-flats-insurance-middle-icon-01

Home Insurance

Holiday-Home-Insurance

Residential Landlord

Land Liability

Commercial Property

Why choose the Property Insurance Centre

Independent advice by approachable staff online or by phone

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Why choose the Property Insurance Centre

Independent broker with staff you can speak to by phone or online

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Why choose the Property Insurance Centre

Independent broker with staff you can speak to by phone or online

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Specialists in Commercial & Residential Insurance

We have over 40 years experience as Residential and Commercial Insurance Brokers. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. We work closely with our Insurers to get the best rates and our experience and excellent relationships with them mean that we can provide cover for even the most difficult to place risks.

Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you. Whatever your requirements, we can tailor a specialist property insurance policy to suit your exact needs and provide you with a range of quotes to choose from. Established in 1976, we are not a call centre but a specialist insurance broker with a traditional office mentality, where the client comes first.

Looking for a quote now? Give us a call on 0800 085 3761 or complete one of our quote request forms.

We are also authorised and regulated by the Financial Conduct Authority and you can view our registration here.

Get In Touch:

We accept most payment types including:

UK Call Handlers & Dedicated New Business Team

Call Us on 0800 085 3761