Lost income claim

Sue asks:
(updated on Friday, September 18th 2020)

Just before level four of the Covid-19 lockdown, my tenants legally moved out. My house then remained empty during level four and three. Level two was very slow and likely tenants were reluctant to come and view so it still remained empty. I looked at my insurance policy to see what the term "loss " meant. Have I got any way I can make a claim for loss of income due to Covid-19 ? The term "loss" by my insurance company is defined as "physical" loss and not monetary loss.

Our Experts Answer:

I suggest you consult with your insurance company.  It is unlikely that your insurance will cover a pandemic as grounds to recover lost rent.  It possibly fits into a similar category as “wars and natural disasters”.

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