Who’s responsible for rental property damage after massive storms?

first_imgWe manage a large number of properties around the Brisbane region. So, when announcements start getting sent out about severe weather patterns property managers start strapping on the head gear, getting the high vis out and bracing for impact.Many of our colleagues around the state, especially in north Queensland, have been inundated by calls of damage but in the inner city Brisbane region we faired quite well.The main areas of damage have occurred in flood prone areas or with properties that had pre-existing roofing issues.It is however a timely reminder for investors of the importance of insurance and addressing maintenance requests as quickly as possible.Insurance premiums that include flooding have spiked since the 2011 floods. Adding a flood cover to your policy can add thousands of dollars to your premium, so the question is often asked “do I need it?”.The large majority of the contents will be the tenants responsibility and fall under their contents insurance, which means even in times of flooding you may not need to claim.So its not always necessary. But it is insurance and when you need it you tend to really, really need it.Our advice to clients relates to ‘return on investment’, how much will it cost and can you afford to cover it if the worst happens? The answer to those questions holds the answer.More from newsMould, age, not enough to stop 17 bidders fighting for this homeless than 1 hour agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor6 hours agoWho’s responsible for the clean up when big storms hit.Planning for these emergency situations will ensure that when disaster strikes you and your property are as protected as possible.However, where costs can shift from tenant to landlords are in those situations where there are pre-existing requests for maintenance about leaking rooves or where blocked drains have gone unanswered.This can potentially put landlords in the firing line if they haven’t acted on these requests and what would have been a tenants cost can now be passed on to the owner.In this age of litigation and when consumer protection watchdogs are at their most alert it is essential landlords are up to date with their responsibilities. Maintenance must be kept up to date and there is now even more compliance certification needed.There is a lot of bottle neck legislation that pushes compliance onto landlords. Currently it’s a landlords responsibility to ensure safety switches are complaint, smokes alarms are checked and serviced as well as pool fences all certified to current state compliance laws. Checking these items has now created an entire industry of compliance services businesses and there will be more checks to come.Owning an investment property does come at a cost and providing shelter similarly comes with a responsibility. Every property investor should be allocating a portion of their annual budget for prevention maintenance, reactive maintenance, insurance and compliance.last_img read more

Golden game

first_imgStudents attending the USC vs. UCLA basketball game Sunday afternoon at the Galen Center wearing all gold to support the team. To sit in the lower bowl of the student section, students were required to wear yellow shirts. USC Spirit Leaders and members of Trojan Pride led the student section in cheers, although Trojans lost to UCLA, 75-69.Ralf Cheung | Daily Trojanlast_img

‘Madden 20’ ratings: Which NFL teams have the best offenses to use?

first_imgOne of the most fun parts about Madden is being able to put up high numbers on offense, so we’ll look into the team ratings to tell you which offenses in “Madden NFL 20” you should use and which you should avoid.Some of the teams will be obvious, like the Saints having the best overall offense (92). But others near the top may surprise you and some near the bottom could intrigue you as well. We’ll give you every team’s rating on offense and then explain some of the teams more in depth. BillsBuffalo may have the second-worst overall offensive rating in Madden 20, but there’s still some fun you can have with this team. QB Josh Allen has the best throw power in the game (99), which he can use to launch the ball to WR John Brown, who has 94 speed. Buffalo has decent playmakers to get the ball to, but the poor offensive line may make it difficult to get much accomplished.JaguarsUnlike the Bills, there isn’t much to like here with the Jaguars. HB Leonard Fournette is the most intriguing playmaker, but his 81 overall rating doesn’t make him a must-play option. Wideouts Marqise Lee, Dede Westbrook and Keelan Cole are all similar in ratings which makes none of them really stand out. Honorable Mention: CardinalsThe Cardinals are listed as the fourth-worst offense in Madden 20, but I imagine people will end up playing with them anyway. Rookie QB Kyler Murray is only 73 overall, but his 91 speed will make him a fun player to use in games. Plus with players like HB David Johnson, WR Larry Fitzgerald and WR Christian Kirk, there are plenty of playmakers surrounding Murray to make this fun. Also, hidden on the depth chart is WR Andy Isabella with 95 speed. If you’re curious about overall team ratings, click here for the complete list.MADDEN 20 REVIEW: The good, the bad and the new from EA SportsContents:Madden 20 team offense ratingsWhat is the best offense to use in Madden 20?What is the worst offense to use in Madden 20?Madden 20 team offense ratingsTeamOffense RatingSaints92Patriots91Colts91Packers89Falcons89Chiefs88Eagles87Chargers87Cowboys86Steelers85Rams83Browns83Panthers82Raiders82Vikings8049ers80Seahawks80Texans78Titans78Bengals78Bears76Lions76Buccaneers76Redskins75Ravens75Broncos75Giants75Jets73Cardinals73Jaguars71Bills71Dolphins69What is the best offense to use in Madden 20?SaintsThe Saints are absolutely loaded on offense and deserve the top ranking. Four of their top five overall players are on offense, with three of them being key playmakers (WR Michael Thomas, QB Drew Brees, RB Alvin Kamara). Plus with additional weapons like TE Jared Cook (87) and WR Tedd Ginn (92 speed), there’s really a little bit of everything you need on this team.PatriotsThe Patriots are top-heavy with QB Tom Brady (96), and after him there are no other 90+ overall players on offense. The other top skill position players include WR Julian Edelman (89), HB James White (86), HB Sony Michel (84) and WR Josh Gordon (83). This offense has a solid overall rating, but depending on your playing style it may not be the right for you.ColtsIndianapolis being No. 3 overall is a bit of a surprise, but their unique offense is what puts them here. Seven of their top 10 overall players are on offense, with QB Andrew Luck (92) and WR T.Y. Hilton (91) leading the way. Dual tight ends Eric Ebron (86) and Jack Doyle (85) are also included in that, with the others being offensive linemen.What is the worst offense to use in Madden 20?DolphinsThe Dolphins are the only team in Madden with a major category rated below 70. A big reason why is the lack of a true starting quarterback with veteran Ryan Fitzpatrick at 75 overall and newcomer Josh Rosen is 70 overall. Only two players on offense are rated 80+ (WR Kenny Stills and LT Laremy Tunsil, both 84). There’s a reason this team is rated last, and it’s because there’s not a lot of fun you can have playing with this offense.last_img read more