Could anyone kindly give me some guidance on what insurers give good cover for malicious damage and accidental damage?
Is there cover available if a tenant leaves a property in a real mess?
Would each item damaged be subject to a separate claim and therefore each item damaged be subject to an excess fee?
Its a mine field and even reading an insurers policy doesn’t really make it particularly clear!
How could you distinguish between accidental damage and malicious damage, ie supposed a tenant punched a wall for example, or “looks like” they may have punched it?