A landlord's insurance claim reveals critical gaps in tenant liability coverage when catastrophic damage occurs. After a tenant deliberately set fire to a property worth £400,000, the insurance company offered only £5,000, leaving the landlord facing devastating financial losses. This case highlights the importance of comprehensive landlord insurance policies, proper tenant vetting procedures, and understanding exclusions that may apply to intentional damage claims. Landlords must review their coverage carefully to protect against worst-case scenarios.

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