Accidental damage to flooring is the main cause of insurance claims for tenants, followed by damage to furniture and then semi-structural damage to the property according to a breakdown of claims research by LetRisks.
The humble iron is the demon of buy-to-let properties, being the major cause of damage to floor coverings, such as vinyl and carpets, with an average claim of £380.
Damage to the building - including décor, curtains, blinds and outside areas more than anywhere else - has an average claim value of £566.
The claims data also reveals that that the most expensive damage to buy-to-let property is fire and smoke damage. Though it only constitutes eight per cent of all claims, it is responsible for the largest claims with the average being £4,692 - and some exceeding £100,000. This is followed by water damage, which constitutes 10 per cent of claims, and has an average claim of £690.
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