What insurers usually look for
- An accredited test showing the property was clear at the start of the tenancy
- An accredited detailed assessment showing contamination now
- Evidence of who occupied the property in between
- A remediation quote based on the detailed results
- Validation testing after remediation
Questions to ask your insurer
- Does my policy cover contamination by illicit drugs, and is it limited to manufacture or does it include smoking?
- What is the limit and excess?
- What testing do you require, and do you accept composite results?
- Do I need to test at the start of every tenancy?
- Is loss of rent covered during remediation?
This is general information, not insurance advice. Always check your own policy and product disclosure statement.
Last reviewed October 2026 by the EnviroForce team