Author Topic: Landlord's Insurance ... a joke  (Read 25128 times)

Beewyched

  • Joined Feb 2011
  • South Wales
    • tunkeyherd.co.uk
Landlord's Insurance ... a joke
« on: June 17, 2011, 08:33:15 pm »
When we relocated to Scotland we rented-out our house.  As we have dogs (among others in our menagerie) we'd had bespoke double kennels, with covered intergral runs built & paved our 12 metre backgarden for them.  We had a large side garden in which we kept our chucks & grew fruit, veg & had cottage flower boarders & a pond with a waterfall.  The front garden was gravelled, with shrubs & a flower boarder.  Sorry to go on - I'm soooo upset  :'(
We let the house to someone with 6 dogs, who we'd met at Crufts & left the kennels there for her to use, with permission to keep the 2 oldies in the house.
Long story ... but she moved out last month, owing us 2 months rent & disappeared - leaving our beautiful house & gardens in a disgusting state - all the woodwork in the house has been chewed (doors, doors, skirting boards, kitchen units) holes & dog scratch-marks, urine & faeces up to 4 foot up EVERY WALL IN THE HOUSE.  Mould on every ceiling - because the oil-pipe for the central heating had been chewed through & she must have been heating the house with calour gas fires, a ceiling upstairs had been fallen through from the attic, 2 windows smashed - my partner could hardly breath in the house the smell was so bad & it was obvious  from the marks that puppies/young dogs had been kept in the cupboard under the stairs & the box room.  All the carpets had been ripped-up, most of the furniture & white goods on the inventory had been taken.
The kennels were chewed - from the outside - nothing but rubbish inside, the pond had been filled-in & no plants were left in the garden (oh & the greenhouse was trashed) EVERY garden was full of dog sh@te - so bad it could be smelt from the other side of the road.
We were VERY upset & CONCERNED ABOUT THE WELFARE OF THE DOGS - were told by a neighbour that there'd been 9 adult dogs there & at least 4 litters of puppies there (she'd called the RSPCA & Environmental Health twice in the previous month).
Not too worried about sorting the house, gardens & loss of rent - we'd taken out every possible "Landlord's Insurance" possible.  Huh WHAT A JOKE - they WON'T PAY A PENNY - putting it all down to "neglect by the tenant & dog damage" - so tough - we've had a few sets of quotes so far & it's gonna cost us in excess of £10,000 to clean, decorate & repair the place eough to re-let it - we'll never get the years of garden back.  The police don't give a d@m either.
IF YOU'RE EVER THINKING OF LETTING YOUR HOME - BE WARNED!
Tunkey Herd - registered Kune Kune & rare breed poultry - www.tunkeyherdkunekune.com

doganjo

  • Joined Aug 2012
  • Clackmannanshire
  • Qui? Moi?
Re: Landlord's Insurance ... a joke
« Reply #1 on: June 17, 2011, 08:37:19 pm »
How dreadful!  Can't you find her through google - they must be a round somewhere with that many dogs.  Surely your lawyer can help get some of the money back - if they breed more pups you can get them then.
Always have been, always will be, a WYSIWYG - black is black, white is white - no grey in my life! But I'm mellowing in my old age

jaykay

  • Joined Aug 2012
  • Cumbria/N Yorks border
Re: Landlord's Insurance ... a joke
« Reply #2 on: June 17, 2011, 08:47:48 pm »
That's awful - how horrid  :-*

Two things here, aren't there? Both involve needing to find her.
1. You need to be able to sue for the damage (and upset)
2. She needs to be prevented from keeping dogs

Did no-one talk to her and get a hint of where she might have gone - could your nice neighbour ask around?

Beewyched

  • Joined Feb 2011
  • South Wales
    • tunkeyherd.co.uk
Re: Landlord's Insurance ... a joke
« Reply #3 on: June 17, 2011, 08:54:45 pm »
She seems to have disappeared into the ether, we're wondering if she's done this sort of thing before, she'd made some threatening comments to the neighbour just before she left - can't imagine how she manages to sell puppies - if I were a potential buyer going there I'd run a mile & 'phone the RSPCA!  :o  Strange thing is, she shows her dogs at Championship level  ???

It makes me so mad about the insurance companies though - your sold these expensive policies & told your fully covered for all eventualities - until you need to make a claim  >:( >:( >:(
Tunkey Herd - registered Kune Kune & rare breed poultry - www.tunkeyherdkunekune.com

robert waddell

  • Guest
Re: Landlord's Insurance ... a joke
« Reply #4 on: June 17, 2011, 09:02:03 pm »
that is insurance companys for you
will she not be  showing this year
once you trace her  she should be sorted out ;) ;)

Sandy

  • Guest
Re: Landlord's Insurance ... a joke
« Reply #5 on: June 17, 2011, 09:03:10 pm »
Maybe you will catch her buy looking for pups for sale, although she will now have just a mobile phone number or a friend with a phone.  I wonder where she is with all those dogs, that is unless she has friends or family that can also take the dogs for a while. I fell so much for you, I would hate that to happen and would be more mad with the insurance people as you wonder what on earth you would be covered for? We may be looking to rent in the future with our 4 dogs and I can understand why people don't want any amount of dogs in their homes!!

Names are easy to change but her breed of dog and being some one who shows at crufts she is bond to be found but as for getting any money back you will find that impossible, well almost, you will be told is not a criminal offence but a civil one, they have only broken the agreement with you and not the law!!!!!!

I bet with some help from us on this forum she will be found.........some will see it as a challenge to find her and stop her from puppy farming!!!!!!! Poor you, you must be big time P'ed off!!

bazzais

  • Joined Jan 2010
    • Allt Y Coed Farm and Campsite
Re: Landlord's Insurance ... a joke
« Reply #6 on: June 17, 2011, 09:12:54 pm »
Some 'renters' think that as 'landlords' we have money coming out of our arse's and they have the right to treat everything you own as their own (sometimes like s**t), that is until something breaks down, then its your responsibility all of a sudden.  It really does my head in sometimes.

Anybody who has ever owned and cared for a property knows the kind of expense thats involved in the upkeep of it - its a fine line between profit and failing - the line is normally how tenants treat 'their' (your) home.

I hope your dont get another tenant like that again as it sounds a nightmare scenario.

Insurance is also a nightmare, our country's economy is built on the back of it now at the mo.  I insure the same as you, and I guarantee - same as you, they wouldnt pay out on anything I went ahead to claim for.  I bet youve even let a couple of claims 'ride' in the past too, just like the rest of us - frightened that your insurance would be doubled the year after. They have us by the 'balls'

It seems that like our insurance system only ever benefits people who know how to extract money from it with loopholes and the correct terminology. Its wrong.

I say - I dont think you should stress anymore but instead face facts - even though we all know you deserve financial compensation - your not going to get it - sorry to be blunt.

I also add - I hope you get it sorted and a tenant that respects your generosity when it comes rto keeping animals responsibly in the house in the future.

Baz

Sandy

  • Guest
Re: Landlord's Insurance ... a joke
« Reply #7 on: June 17, 2011, 09:19:32 pm »
I just looked at the other link and there is enough info to hopefuly find her as the pedegre name may be able to be traced, especialy if she breeds again and if she is that money grabbing she will!!!!!!!  Shame she did not breed some thing less rare than Labs, there are millions of them out there!! I mean I have four, my daughter 2, her friend 2 etc etc

Notice in pet food shops and vets saying something like " Urgent, could """""""" please contact ????? as they have a valuable item of thiers that needs re claiming, add a phone no. and say reward waiting!!!! or maybe not!! shall have to re think that one!!

doganjo

  • Joined Aug 2012
  • Clackmannanshire
  • Qui? Moi?
Re: Landlord's Insurance ... a joke
« Reply #8 on: June 17, 2011, 09:37:17 pm »
They have updated their website recently, and blanked out the 'about us' page on their website. I thought it might just have been coloured out but I tried a selct all, copy, and paste, and nothing came out.  You can still email them though.  Perhaps somone in England could email them and ask to see their dogs with a view to buying a puppy?  It would be silly to do it from up here - they'd probably twig.
What about the KC - have you contacted them - not necessarily to discuss the damage, just an enquiry to see if they have a more recent address or number? People like them give the Accredited Breeder Scheme a bad name.
Always have been, always will be, a WYSIWYG - black is black, white is white - no grey in my life! But I'm mellowing in my old age

Beewyched

  • Joined Feb 2011
  • South Wales
    • tunkeyherd.co.uk
Re: Landlord's Insurance ... a joke
« Reply #9 on: June 17, 2011, 09:39:39 pm »
Thanks for all your replies - sorry, guess i'm just feeling so upset at the mo - can't believe the insurance doesn't cover anything - what are we covered for?  Surely taking our furniture & kitchen goods is theft? but the police don't want to know - the white goods alone were over £2,000 & most of them were under a year old when she moved-in.  We left them for her because our tenancied holding is part-furnished & we felt sorry for her being on benefits & on her own.  She'd been living with a nice couple we'd known for a while, who had a proper registered kennels & she needed to get her own place as they were moving away with their business (they don't know where she is either).  OMG she was selling those puppies for £600-£800 each! Th ey were being kept in appalling conditions & the neighbour had reported her for hitting & kicking them - it's disgusting.

Ps. She's got the Accredited Breeder logo on her website, but if you read her site she says she doesn't agree with it - I wonder why  >:( >:(
Tunkey Herd - registered Kune Kune & rare breed poultry - www.tunkeyherdkunekune.com

robert waddell

  • Guest
Re: Landlord's Insurance ... a joke
« Reply #10 on: June 17, 2011, 09:45:11 pm »
well that surprizes me with plod a baldy tyre tax out by one day mobile phone in hand    serious crime they dont give a flying stuff about

Beewyched

  • Joined Feb 2011
  • South Wales
    • tunkeyherd.co.uk
Re: Landlord's Insurance ... a joke
« Reply #11 on: June 17, 2011, 09:48:06 pm »
Yep, too right Robert - when we rang them all we had was a lecture about "what do you expect when you rent a house out, you should be insuranced for this anyway, don't worry about it"  ::)
Tunkey Herd - registered Kune Kune & rare breed poultry - www.tunkeyherdkunekune.com

little blue

  • Joined Jun 2009
  • Derbyshire
Re: Landlord's Insurance ... a joke
« Reply #12 on: June 17, 2011, 10:24:17 pm »
ring the coppers again, say you need to report a theft and need a crime reference number.
our constab gave us one over the phone (non-emergency number) so we could pass it to the insurance, then a copper came to the house about 3 days later (pointless!)

the insurance will surely act if there's a CRN, if your covered for theft?

failing that, make a big fuss at the local police station!

As for the so-called breeder - inform the kennel club & any championship shows you think they'll attend.  MAybe  a little ABH in public would get the coppers' attention (and show her for what she really is in front of doggy people!) 
Little Blue

Sandy

  • Guest
Re: Landlord's Insurance ... a joke
« Reply #13 on: June 17, 2011, 10:44:11 pm »
I keep thinking some one must know her well, how did she come to be living with the old couple for a start? They may know about friends etc, maybe her car make and reg number!! SHe must have had help to do all that and transport your stuff away, some one with a trailer or large van maybe.

Are there any dog bones left around?  are they dog bones? Did you check the waste/rubbish for any evidence?
 Hope you have loads of photos for proof and evidence, if there were that much chewing she must have kept them in and alone a lot!!!!

Saying that, some one who used to live here is always getting phone calls from people they owe money to and he is easy to find, I googled his name and saw his house up for sale as I rec the furniture and also he still lets places out here as he gets a lot of trade via us :/

We will find her!!

doganjo

  • Joined Aug 2012
  • Clackmannanshire
  • Qui? Moi?
Re: Landlord's Insurance ... a joke
« Reply #14 on: June 17, 2011, 11:37:06 pm »
Put it on Facebook!  The Police and crooks all use it too
Always have been, always will be, a WYSIWYG - black is black, white is white - no grey in my life! But I'm mellowing in my old age

 

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