#18538
Kangaroo
Flatchatter

    Huh?

    There is no loss of rent.

    The owner has rented the unit to a tenant.

    The unit is temporarily uninhabitable and the tenant is provided alternative accomodation paid for by the home warranty insurance policy (so you say).

    The tenant has to continue paying the rent.

    The owner suffers no loss.

    Otherwise, the tenant is living the high life in a luxury hotel without paying anything for accommodation.

    A couple of other points:

    1) The OC’s insurance policy usually only provides alternative accommodation for events defined in the policy (eg earthquake, fire, storm, tsunami, etc) and not for defective building work.

    2) Home warranty insurance usually only provides alternative accommodation for their defined events which are: “loss or damage resulting from a breach of a statutory warranty (e.g. defective work) because of the insolvency, death or disappearance of the builder or where the builder’s licence has been suspended …”.

    You say you’re covered. I’d suggest you re-read that policy.

    3) The owner could/should have taken out landlord insurance.

    4) Roof replacement does not necessarily make the unit uninhabitable. Our block had the entire pitched roof replaced and nobody had to move out.