As most landlords will no doubt have experienced, tenants will not be as concerned with the upkeep of a property as a home owner.

Recently, a landlord (our policyholder) experienced an extreme example of this lack of care, where a tenant had not only left the property with rent in arrears, but also left it in a terrible state. The walls had been graffitied, the kitchen destroyed and last but most certainly not least, the flooring riddled with animal excrement.

Fortunately for the landlord, they held cover under a commercial combined policy for the malicious damage caused by the ex-tenant and D E Ford was able to review the claim and offer a cash settlement in a very short space of time.

Without this cover, the cost for not only the lost income, but also the refurbishment of the property would have fallen solely to the policyholder.

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