Are Burglary Repairs The Landlords Responsibility Or The Tenants?
In the event of a burglary most people will know exactly what to do, if you are unsure of what steps you should take in the event of a break in then you can check out one of our previous blog posts: What To Do When You Have Had A Break In.
As a homeowner it is always good to be prepared and know exactly what to do should you ever find yourself in the unfortunate situation of a break in. But what if you’re a tenant? It is not always obvious who is responsible for any repairs of damages caused by the burglars such as handles, and locks is it the landlords or the tenants?
Being broken into is not something that you ever want to consider happening to you, but unfortunately it does happen and as a tenant it is worth knowing where you stand if you do ever find yourself in this unfortunate situation.
In most cases it can be argued that both the tenant and the landlord end up paying for any damages cause by the burglars, however below you will find the main facts that you need to know.
When discovering you have been broken into the first thing on most tenants’ minds will be. How do I replace all of my stolen items? In most cases it will be the tenant’s own responsibility to ensure they have the correct contents insurance in place. Most tenancy agreements will specify within them that tenants are responsible for sourcing and putting in place their own contents insurance, this is mainly due to the face that most landlord’s insurance policies don’t cover the tenant’s belongings. However, it is worth checking over your tenancy agreement to see if it is something that your landlord has offered you.
If you as the tenant have set up your own content’s insurance, then you will be able to place a claim with them as soon as you have been provided with your unique crime reference number from the police. If your insurers require you to pay any excess fees this will be your responsibility as the tenant to pay them as it is your own insurance policy.
It is worth knowing there are some situations in which the landlord would be responsible for replacing the tenant’s belongings. For example, if the landlord has neglected the basic security measures of the property such as faulty door locks then the tenant has grounds to argue that it is the landlord’s responsibility to replace damaged or stolen items from the break in.
Damages To The Building
In most cases any damage caused to the property itself will be the landlord’s responsibility however there are a few situations in which this would not be the case and the responsibility will be the tenants:
First things first, tenants should check their tenancy agreements as sometimes there are terms and conditions in there that hold them directly responsibly for repair costs to damages to the building. This is not often the case as most landlord’s insurance will cover this, but it is always worth checking.
In the event of a burglary it is the tenant’s responsibility to inform the landlord and provide them with the crime reference number that was issued by the police so that they can then set things in motion with their insurers. If the tenant does not provide this information to the landlord, then they can be held responsible for the damages regardless of what has been written in the tenancy.
If the landlord does not have landlord’s insurance and there is nothing in the tenancy stating it is the tenant’s responsibility for damages to the building, then the responsibility for repairing burglary damage will still fall on the landlord.
If you are a landlord, tenant or homeowner and need burglary repairs or any other home security services then contact Dr Locks Ltd today – 01904 295 465