insurance

Does your insurance company cover negligence?

What Is The Insurance Definition Of Negligence?

“Negligence is a failure to act in a way that a reasonable person would when faced with the same situation/circumstance. In insurance, the policy holder might be negligent, or it might be another party.” ~ The balance

If you enquire whether an insurance company covers fire/flood and escaping water in homes, it’s safe to say that they will. If we start asking them if they cover negligence, it’s difficult to get a direct ‘Yes’ or ‘No’ answer. According to insurance companies (including Youi and Allianz), negligence is seen as a case-by-case assessment, so the homeowner should always do whatever seems reasonable to protect the property and that of others.

 

An example of Insurers not willing to pay for negligence

insuranceHere is a scenario where insurance companies refuse to pay for negligence…

If there is a nasty smell coming from your bedroom wall due to water damage which has caused mould and bacteria from a leaky air conditioning unit, the insurance company will deny the claim because insurance isn’t intended to repair maintenance issues.

The gradual damage caused by the water, including the mould, is not covered. You will then end up spending a lot of money to repair the problem as the insurance company took the position that it was negligence as a homeowner that resulted in the damage – you didn’t maintain the property. Furthermore, the insurer may warn the homeowner that they have to repair the damage or they will cancel the policy!

 

How to avoid ‘negligence’

Luckily, negligence can be easily avoided. With the scary reality that as homeowners you have the full responsibility of doing general maintenance to your home regularly, this includes asking tenants to inform you if anything within the property needs fixing/extinguishing/cleaning etc which leaves insurance companies with no reason to refuse a claim.

If you own an air con unit/s regular maintenance includes servicing your air conditioning unit every 12 months or sooner. Speak to a professional cleaning company, such as Sanitair Australia to have a look at your aircon. An aircon service could help avoid future problems, such as:

  • insuranceLeaking unit
  • Noisy unit
  • A smelly unit due to bacteria, mould, insects etc
  • Higher electricity bill as the air conditioner has to work harder to cool the air
  • Unit replacement earlier than expected

 

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Heat Pump Cleaning

Heat Pumps also known as reverse cycle air conditioners, are a very efficient form of domestic heating. For climates with moderate heating and cooling needs, heat pumps offer an energy-efficient alternative to electric heaters or air conditioners.

 

Facts about Heat Pumps

  • Heat Pumps do not generate their own heat. The outside air contains heat that can be harvested, even when we feel it is cold. Like your refrigerator, heat pumps use electricity to move heat from a cool space to a warm space. This makes the cool space cooler and the warm space warmer. During the heating season, heat pumps move heat from the cool outdoors into your warm house and during the cooling season, they move heat from your cool house into the warm outdoors.
  • Due to the fact that heat pumps move heat rather than generate heat, they can provide equivalent space conditioning at as little as one-quarter of the cost of operating conventional heating or cooling appliances.
  • Heat Pumps can either be standalone or can be ducted to many rooms.

 

Why is Heat Pump Cleaning vital?

  • Heat pump cleaning saves you money on your electricity bills. Heating and cooling systems take up a large portion of your monthly electrical consumption in Australia and in addition to the price of electricity skyrocketing, we need to find ways to lower consumption.
  • It ensures your heat pump is working at 100% of its efficiency
  • Avoid bigger problems in the future. Small heat pump problems may become bigger and more pricey problems in the near future, if not reported timeously.
  • Improved health benefits. According to Dr John Darcy, “Biologically contaminated heat pumps can be serious health risks but with a Sanitair premium award-winning service, this will minimise the exposure and risk to room occupants.”
  • Save time, save energy, save your heat pump. By engaging a professional such as Sanitair, a highly professional and specialised cleaning and sanitising company, it saves you time and energy trying to clean your heat pump in your spare time, which unfortunately won’t be nearly as effective as having a professional heat pump clean.

Sanitair™ Tasmania has the entire Tasmania area covered for Air Conditioning Cleaning & Sanitising.  FREECALL 1800 130 168 and enter your postcode to be directed to your local Sanitair™ HVAC Hygienist

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Youi Insurance Head Office takes out Sanitair insurance!

Youi Insurance understands the real costs of contaminated air conditioning and has taken out a small (IAQ) Indoor Air Quality insurance policy called Sanitair.

 

Employers want to create a happy and healthy work environment

When you have a workplace of over 1000 staff working closely, indoor air quality is important. Airborne pathogens can move rapidly through air conditioning systems and increase the risk of viruses like Influenza. The transfer of influenza and other biological toxins can severely affect the workplace. Often large numbers of staff are then not able to turn up to complete their daily tasks.

The reduction in active staff numbers alone can severely affect productivity. This can be extremely costly to a business’s bottom line. Reduced productivity can cost businesses like Youi tens of thousands of dollars in lost revenue annually. Therefore, a little insurance in IAQ Indoor Air Quality can pay off big time!

 

Youi Head Quarters continue to breath clean air

Since 2015, John and the Sunshine Coast Sanitair team have been ensuring that staff and visitors at Youi Head Quarters breath clean air.

We live in a world of increasing litigation. Sanitair services now also provide insurance against potential workplace lawsuits. Sanitair has documented evidence that the service we provide has saved businesses potentially thousands of dollars with the evidence required that negated legal action against their customers from industry bodies.

 

If you would like to see how a small Sanitair insurance policy could protect your business, Free Call us on 1800 130 168

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It’s a ‘no-brainer’ why you should clean your Air Con in Australia

Need a reason to clean your air con… Well here’s five!

 

1. Save $$$ on Electricity Bills!

Cooling systems take up a large portion of your monthly electrical consumption in Australia and with the price of electricity skyrocketing, we need easy ways to lower consumption. A contaminated air conditioning system uses more power because your unit works much harder to compensate for the reduced airflow and efficiency.

Get your AC unit serviced and it won’t need to work as hard and neither will you, to pay off your electricity bills.

 

2. Ensure your Aircon is working at 100% of its efficiency

In this hot weather, we can’t afford to have our air cons not functioning properly. So, allow your air con to work at its peak efficiency in the hotter months by ensuring that the critical components are cleaned correctly. Extreme heat can affect anybody, in particular, our senior citizens, who are at high risk of developing heat-related illnesses because of their inability to respond to summer heat. Another great benefit is that an air conditioner that is properly serviced also dehumidifies your home better, which results in less triggering of respiratory-related illnesses.

 

3. Avoid BIGGER problems in the future

Small air con problems may become bigger, more pricey problems in the near future, if not reported timeously. Our technicians may spot more serious issues whilst cleaning your air con, educating you on the state of your system. Maintain your air con consistently and reduce the risk of bigger, more serious issues. Don’t wait for the next Summer to maintain your air con, it may just be too late.

 

4. Improved health benefits

It is important for both kids and adults to live, study and work in healthy environments. Things like cigarette tar mould, dirt, dust, fungi, bacteria and pathogens etc are temperamental to our health.

“Biologically contaminated air conditioners can be serious health risks. A Sanitair premium award winning service will minimise the exposure and risk to room occupants.” ~ Dr John Darcy

 

5. Save time, Save energy, Save your air con

By hiring Sanitair Australia, a highly professional and specialised cleaning and sanitising company, it saves you time and energy trying to clean your air conditioner in your spare time, which unfortunately won’t be nearly as effective as hiring a professional. Not only does it save you time, in the long run, but you’ll also save money, benefit your health, reduce your electricity bill and increase the life span of your air conditioning equipment.

 

These are just a few of the many reasons why it is so vital to get your air cons professionally cleaned. Call one of our friendly staff members or technicians who are located throughout Australia on FREE CALL: 1800 130 168 who are happy to assist you with any requests you may have.

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Resort Industry

Sanitair – Preferred Supplier in the Resort Industry

Resort IndustryThe preferred supplier in the Accommodation industry for Air Conditioning Maintenance is Sanitair Australia.

As the most trusted in Australia servicing over 50,000 customers annually. Sanitair has over 50 technicians located throughout Australia in every state and territory.

Not everyone is welcome, only those suppliers who have been recommended by owners and managers in the resort industry as having provided top performance, fair pricing, sound work or products and overall total satisfaction.

A unique supplier source- double-checked!

In the accommodation industry, the Preferred Supplier Programme was and is highly unique. Suppliers cannot simply pay to be included. Inclusion in the Programme is conditional on the receipt of an industry recommendation qualification.

Once a recommendation is received, the supplier is put through a secondary qualification process to ensure they can deliver the highest levels of service, guaranteeing they are committed to developing improved products and services for the industry. Only after satisfying these important criteria will they be given the option to be included in the Preferred Supplier Programme.

This process is repeated every 12 months so Managers and Industry Professionals can be confident in the service Preferred Suppliers will provide.

 

Benefits across the Resort industry

The Preferred Supplier Programme benefits the Accommodation Industry as a whole. As with any industry, the Accommodation Industry is susceptible to unscrupulous and unprofessional suppliers. The Programme helps to weed them out by supporting those who always do a good job.

Some of our Sanitair Australia customers include The Oaks Group, Wyndham Resorts, Novotel and Best Western.

Free Call Australia’s Largest Award-Winning Specialised Air Conditioning Cleaning, Sanitising & Certification Service Provider, Sanitair Australia today on 1800 130 168 for your local licenced and exclusively authorised technicians to discuss how Sanitair services can save you money!

Resort Industry

 

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