Tenancy Claims Submission: SPEEDHOME Guide for Landlords
Easy Steps to Submit Your Claim
Short answer: Start with the tenancy agreement, payment records, photos, and written communication before taking action. Most rental problems become expensive when landlords or tenants rely on verbal promises instead of preserving proof and choosing the lowest-risk next step.
SPEEDHOME Claim Process
Supporting documents
*No physical documents are required
- Police report
Kindly refer HERE for a police report template.
Your police report should include a list of loss of rental, outstanding utility bills amount and list of damages and stolen items. - Copy of outstanding bills
- Quotation or receipt for each repair or replacement items
- Photos of each damaged item or affected area
At least 3 high-definition (HD), multi-angle photos for each damaged item or area you’re claiming. Include close-ups showing the damage, as well as general views of the item. These photos are required for claims related to damage, malfunctions, and cleanliness issues.
If only one photo is submitted per item and it doesn’t clearly show the damage, further photo submissions may be necessary. - Photos of the unit after the tenant left
- Historical purchase receipt (If unable to provide, please let us have the year of purchase)
For replacement items, if there were no original receipts submitted, there will be 10%-50% uncertainty being applied to the claim amount of respective items as the receipt is crucial for proof of ownership of the items. - Faulty electrical appliances more than RM200.00: Technical report or written statement by technician to clarify 2 issues:
(i) What part of the item was being damaged;
(ii) Why it was damaged or what could be the possible cause of it being damaged.
When to submit your tenancy claims?
- Insurance claims can only begin once the tenant has vacated the property. As soon as it’s empty, we’re good to go!
- Submit your tenancy claims report within 5 days of the incident. Claims submitted after this period will not be processed.
To understand more, kindly reach out to us at [email protected]
Ready to submit claims?
Email or WhatsApp us, and we’ll send you a Dropbox link to upload your documents and photos.
FAQ‘s
1) Tenant can’t pay due to financial issues – can the landlord claim?
No, unless the tenant abandons the property. Claims can only be submitted after the tenant moves out and required documents are provided.
2) Tenant’s overdue TNB bills – can the landlord claim?
If unpaid bills breach the contract and the tenant moves out, the landlord may claim overdue utility bills.
3) When to submit claim documents?
Within 5 days after the tenant moves out.
4) What if extra time is given to settle payments?
The claim must still be submitted within 5 days of the tenant moving out.
5) Claim for damages not caused by tenant’s malicious act?
No, only malicious acts are claimable
6) Can I claim for repainting costs?
Not if the tenant simply didn’t restore the original color. Claims may apply if repainting is needed due to damages like fire, nailing, or peeling paint.
7) Claimable scenarios:
Content theft by a non-tenant: Yes, under the Household Content section.
Structural damage by a non-tenant: No, not under the Inconvenience Benefit section
8) What if the tenant burns down the house?
Claimable if caused by a malicious act, subject to policy coverage limits.
9) Claim for loss of rent without a police report?
Yes, if the tenant is unemployed, with proof such as a letter from their employer.
10) Loss of rent due to tenant’s mental health issues?
Yes, it’s claimable if the tenant provides medical reports confirming the condition and the extent of the disability.
You may also find the definition of Total Permanent Disability as per below.
11) Is an inventory list enough to prove ownership?
No, original purchase receipts are also required to confirm details and value.
12) Does SPEEDHOME rental protection apply depreciation for repairs?
Yes, if repairs extend the item’s lifespan.
13) Claiming lost rent during approval wait time:
Unfortunately, no. Most insurance policies do not cover rental income lost while a claim is being reviewed. Claims can take time due to a few reasons, like the need to verify details and gather documentation. Complex cases may take longer to process.
We aim to complete each claim as quickly as possible, and we appreciate your patience and understanding.
14) Can repairs be done before claim approval?
Yes, you can start repairs while waiting for your claim to be approved. However, please note that the insurance may not cover the full repair amount. Approval is based on factors like your policy coverage, depreciation, and damage limits set by the insurance company.
15) Actions SPEEDHOME takes after a claim:
- Tenant’s name blacklisted on SPEEDHOME.
- Malaysian tenants reported to a credit agency, affecting their credit score.
FAQ
When can a deposit be deducted?
Deduct only for items allowed by the tenancy agreement and supported by evidence such as photos, invoices, or inspection notes.
What proof matters most in a deposit dispute?
Move-in photos, move-out photos, receipts, and written inspection notes carry the most weight.
Can ordinary wear and tear be charged?
Ordinary wear and tear should not be treated the same as tenant-caused damage. The agreement should separate both clearly.
How should tenants protect themselves?
Take dated photos, keep receipts, and ask for written confirmation of any deductions.
Related guides: SPEEDHOME platform guide and costs | how to rent out property in Malaysia | Zero Deposit rental guide for landlords
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