--- title: "Landlord Insurance Claims Process" url: https://australianproperty.network/apn-codex/series-30000/series-37000/series-37200/series-37240/ date: 2026-08-11 modified: 2026-09-06 lang: en author: "Nicklas Clark" description: "Technical Reference 37240  —  Landlord Insurance Claims Process Landlord Insurance (37200) 1Overview Node 37240 addresses the process by which a landlord notifies, progresses, and resolves a claim under a landlord..." word_count: 635 --- # Landlord Insurance Claims Process Technical Reference ### 37240  —  Landlord Insurance Claims Process Landlord Insurance (37200) 1 #### Overview Node 37240 addresses the process by which a landlord notifies, progresses, and resolves a claim under a landlord insurance policy, spanning claims for loss of rent, tenant default and damage, and landlord liability. While the specific evidence and assessment differ by claim type, the general claims process shares common features across the landlord insurance sub-series. The process typically begins with formal notification to the insurer, supported by documentation such as entry and exit condition reports, routine inspection records, and correspondence with the tenant. Where a claim involves rent arrears or tenant damage, the insurer will generally require confirmation that the tenant's rental bond has first been applied, with the claim addressing any residual loss. A property manager, where engaged, commonly assists the landlord in compiling this evidence and progressing the claim. This node is intended for landlords, property managers, and insurers engaged in the landlord insurance claims process, applying the general framework addressed in node 37200 to the claims handling context specifically. 2 #### Scope & Boundaries This node addresses the process by which landlord insurance claims are notified, progressed, and resolved. It does not address the substantive cover provided under rental income protection, addressed in node 37210, tenant default and malicious damage cover, addressed in node 37220, or landlord liability, addressed in node 37230. Scope Note This node describes the general landlord insurance claims process as at the time of writing. The specific evidentiary requirement and claims procedure applicable to a given policy should be confirmed against the relevant policy document. 3 #### Key Concepts Claim Notification The initial step of formally advising the insurer of a loss event under a landlord policy, often supported by the property manager where one is engaged. Supporting Evidence Documentation such as entry and exit condition reports, routine inspection records, and correspondence with the tenant, required to substantiate a landlord insurance claim. Bond Interaction The requirement, common to default and damage claims, that a landlord's claim be assessed after the tenant's rental bond has been applied, with any residual loss the subject of the insurance claim. Claim Dispute Resolution The process available to a landlord to challenge a claim decision, including internal insurer review and external dispute resolution. 4 #### Regulatory & Legal Framework - Insurance Contracts Act 1984 (Cth) Australian Securities and Investments Commission Governs the insurer's claims handling obligations and timeframes. - Residential Tenancies Act (state-based, for example the Residential Tenancies Act 2010 (NSW) and equivalent legislation in other states) Relevant state fair trading body Governs the bond and condition report framework relevant to substantiating a claim. - Australian Financial Complaints Authority scheme ASIC-approved external dispute resolution body Provides a pathway for resolving unresolved landlord insurance disputes. 5 #### Practical Application | Scenario | Application | Outcome | | -------- | ----------- | ------- | | A landlord's rental property is damaged during a tenancy | The property manager compiles condition reports and inspection records to support the landlord's claim | The claim is submitted with the evidence required for assessment | | A tenant default claim is lodged after bond funds are exhausted | The landlord provides evidence of the arrears and the bond claim outcome | The insurer assesses the residual loss against the policy terms | | A landlord disputes an insurer's declined liability claim | The landlord pursues internal review and, if unresolved, external dispute resolution | The dispute is progressed through the available resolution pathway | 6 #### Cross-Series References [ 37200 Landlord Insurance General framework for landlord insurance, applied here to the claims handling context specifically. ](/apn-codex/series-30000/series-37000/series-37200/) Findings are presented on the basis of data and evidence alone. Node Parameters Node ID37240 Series37000 Property & Casualty Insurance (Technical) Sub-Series37200 Landlord Insurance RegisterTechnical Reference Standard JurisdictionAustralia (all states & territories) StatusPublished In This Sub-Series - [37210Rental Income Protection](/apn-codex/series-30000/series-37000/series-37200/series-37210/) - [37220Tenant Default & Malicious Damage Cover](/apn-codex/series-30000/series-37000/series-37200/series-37220/) - [37230Landlord Liability](/apn-codex/series-30000/series-37000/series-37200/series-37230/) - [37240Landlord Insurance Claims Process](/apn-codex/series-30000/series-37000/series-37200/series-37240/) Related Analytical Nodes - [37000Property & Casualty Insurance (Technical)](/apn-codex/series-30000/series-37000/) - [37100Strata & Body Corporate Insurance](/apn-codex/series-30000/series-37000/series-37100/) - [37300Climate & Catastrophe Risk Insurance](/apn-codex/series-30000/series-37000/series-37300/) - [37400Construction & Development Insurance](/apn-codex/series-30000/series-37000/series-37400/) - [37500Professional Indemnity & Liability](/apn-codex/series-30000/series-37000/series-37500/)