In the market, this is the worst landlord insurance you can find. Place that money in your bank instead of paying them, so you can save it for when you need it. You have not received anything from them despite your tenants causing 100 in damages. Following a 50-day claim process, these are the findings.
"The scratch marks on the flooring and dents on the walls are consistent with damage caused by carelessly moving furniture, rather than deliberate actions intended to maliciously deny you use of the property. The damage to the timber blinds appears to result from poor housekeeping and neglect, including inadequate supervision of children. The wall damage behind the doorknobs is consistent with insufficient maintenance, such as the absence of door stoppers, and accidental damage caused by doors opening against the wall. These items have been assessed in accordance with the terms and conditions of your policy."
Entry:- front flyscreen damaged - Tenant neglect/ wear and tear - solid door issues (photo evidence from 2021 indicates missing timber slats) - Pre-existing damage Sitting Room: - Marks on vinyl flooring - Wear and tear - damage to plasterboard wall - Tenant neglect - timber blind damaged - failure to control childrenKitchen:- Kick board rotted- Wear and tear - overhead cabinet door hinge missing screw - Wear and tear - glass sliding door frame damaged - tenant neglect - holes in flyscreen - Wear and tear - marks on vinyl flooring - Wear and tear Bedroom 1: BIR (Built-In Robe) door track damaged come loose - Wear and tear - flooring marks - Wear and tear Toilet: - Toilet loose, cistern - Wear and tear Bathroom: - Vanity long-term water damage, skirt tiles falling off the wall, paint peeling off the ceiling - Wear and tear Bedroom 2:- BIR door track not installed; has come free from sliding doors - improper installation - vinyl flooring marks- Wear and tear- flyscreen has holes- wear and tear Main Bedroom: - Marks on vinyl flooring- Wear and tear - damage to plasterboard near the back of the shower base - Wear and tear - damage to old AC unit cover- Wear and tearWalk-In Robe: - Damage to plasterboard wall linings- Wear and tear Ensuite:- Toilet and cistern loose - Wear and tear Spa Bath: - Cladding missing, very dirty- poor housekeeping/ Wear and tear Cubby House: -Missing timber treads - Wear and tear - loss post with missing handrail (treads missing since 2021, tenants reportedly removed them)- Wear and tear
In order to avoid paying us back, they use terms such as neglect, malicious damage, wear and tear, and vandalism. They use these terms as per their convenience. What do they mean by landlord insurance? The spa has been completely damaged, and it has been classified as having very poor housekeeping. I think Alilianz expected that the property owner will stay with tenants and monitor their housekeeping, manage their kids, etc.
Now that Allianz has a poor reputation, they cheat us through our banks rather than giving us policies on their own behalf. My policy was purchased at Westpac and I did not realise it was Allianz, simply using Westpac's brand name.
Last but not least, the customer service:- I contacted the case officer via phone and email multiple times. I never received a response to my voicemails or emails. Their purpose is to prepare you to give up claiming by delaying the process.
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Allianz SE (/ˈæliənts/ AL-ee-ənts; German pronunciation:) is a German multinational financial services company headquartered in Munich, Germany.