Fire and HB

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  • #23398

    Hi. I have a vague memory that this has been discussed before.

    The situation is that a tenant has had a fire and has moved out of his property temporarily. The landlord has stated that it will take 3 – 6 months to repair the damage.

    Will the landlord be compensated for the loss of his rent through his housing insurance and if so, does this remove the tenants liability to pay rent?



    If the landlord has adequate insurance it can cover this – simple fire insurance that a resident homeowner would have may not cover the rent not received element. To be sure you would need to see the terms and conditions of his policy.

    Unless the landlord has moved the tenant into a property where the tenant does not have to pay rent for that (as he is still paying on the original property) I cannot see how he can charge on an uninhabitable property. 8)


    Also worth having a look at the tenancy agreement – you may well find that there are specific provisions made in the event that the property is made uninhabitable due to fire damage.

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