Insurance Expert

Insurance
Ask Rene Swindley, CEO of Initio Insurance, questions relating to insurance.

Rene is the founder of digital insurance platform Initio, which is about insuring houses online in real time to provide a faster, smoother and customer-first approach to property insurance.

Missed inspection cover

Roberta asks:

I'm going away for an extended period of time over the festive season and I can't commit to my periodic inspection. Every three months is onerous. If I don't organise an inspection will I still be covered?

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Shortfall liability

larry asks:

We have tenanted a small one bed studio. During the tenant's occupation a pipe burst flooding the bedroom. The tenant temporarily vacated. We removed the carpets and placed a dryer/blower overnight. We arrived next morning to find the appliance had failed and caused a fire causing extensive smoke damage to the tenant's possessions. The tenant was reportedly underinsured by some $10,000 and is pursuing reimbursement. My question is are we liable for the shortfall of our tenant’s insurance?

 

 

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Cover for dodgy work?

Janet asks:

I was only recently made aware that sanitary plumbing, gasfitting and drainlaying are regulated industries in New Zealand and that it is illegal to do this restricted work unless authorised by the Plumbers, Gasfitters and Drainlayers Board (PGDB).

I've hired a trader to replace roof nails and repaint the roof. I made the payments after he told me he's completed the job but when I did the inspection at the house afterwards I realized he did not do it at all. I tried to contact him through several means but I've had no response at all. He also did a dangerous rangehood install where I had to ask the builder to temporarily fix it.

These are my questions:

1. Is repairing a roof a restricted job?

2. Is installing a rangehood a restricted job too?

3. Am I able to claim insurance for the damages he's made to the house?

4. What can I do to claim my money back for the incomplete job and additional costs associated with these? 

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