Have you got the best insurance cover for Meth contamination?

Property Insurance

Are you covered?

When purchasing a property making sure you have the right insurance cover is vital. Should you find out at a later date that the property is Meth contaminated then if you have done your homework first you will be covered. Having said that though by far the best way to protect your property is to test before you buy. Because if you don't' whilst insurance might cover replacing the contents lost and remediating the property it won't cover the emotional cost and health costs associated with finding yourself living in a Meth contaminated property and losing all your most precious items, including your health.

Contents Insurance

Tenants beware

We found out the hard way that our contents insurance only covered us for an event that happened on a set date AND it had an exclusion clause for chemical contamination. As the 'event' (contamination of the property) was considered to be prior to our taking up residence AND it was chemical contamination AND classified as 'accidental' damage, we were not covered.

It is vital that you check with your insurer prior to moving into any new premises that you would be covered for Meth contamination.

Landlord's Insurance

Know what you are covered for

Your insurer may try to state that you are not covered because:

1. if the contamination came from the use of the property as a 'clan lab' they might use the excuse that you are only insured for residential use of the property and that the manufacture of Meth is a commercial use of the property.

2. If the contamination came from 'smoking' of the drug they might state that you are only covered for a 'clan lab'.

3. They may use the exclusion clause that you are only covered for accidental damage and that Meth contamination was malicious damage.

4. They might just simply state that you are not covered due to it being an exclusion as it is chemical damage.

You protect yourself and your tenants by being fully aware of what you are insuring yourself for and if it costs more to get the correct insurance understand that in the long run it is worth it because the costs of not being insured are mind blowing.