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  1. Hi guys, just a quick few questions on tax that come up less often. BTL insurance claim, if you claim on your insurance for damage to a BTL property, do you claim the insurance payout as income and claim any contractor repair costs as expenses or do you claim neither as its an insurance payout rather than earned income? If you withhold some or all of the deposit due to losses of time, work, rent, damage or whatever, either for actual contractor costs or for your own time and hard work to clean and repair etc, does this need to be claimed as income or not as the deposit is actually to counter act your losses? Many Thanks Scott Child
  2. Hello, I currently have a property via a LTD company that’s insured with legal and general. I had to claim last month for a water leak. The claim is still open. A property I own in my own name which is also a buy to let, the buildings Insurance runs out in a few weeks. It’s insured via Towergate. I’m struggling to get insurance quotes because I still have a claim on going? One company said I don’t have to mention the open claim because it’s in a limited company and the house I need to insure is personal. However, their insurance don’t pay out for frost damage from November to March. So I don’t really see the point in going with them. Any advice is welcome? Thanks Howie
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