Is the landlord responsible or should renters insurance pick up the tab? - renters insurance deductible
I am in the process of obtaining a claim against the owner of the list, and I needed to know whether to sue in a flood in the basement, in the context of compensation. This is a story short: a plastic tube broke the pumping of water from a pump of this sub-sector in our basement, and in the front yard and flooded the basement about 2 months. Current renters insurance took care of the demand for our personal belongings were ruined, minus a $ 250 deductible. My husband and I had to clean up everything, including all water and then molded parts. I do not think until I have a test on TV (People's Tribunal considered), which was similar. The judge said that if the flooding is the fault of the owner and not the result of a deluge of rain, so the owner can be held liable for damages. Easy to clean The judge awarded money for lost property and money. My question is, I enclose my tax deductible in the application and clean-up costs?
Monday, December 28, 2009
Renters Insurance Deductible Is The Landlord Responsible Or Should Renters Insurance Pick Up The Tab?
1 comment:
Of course, part of the deductible to all claims against the owner. The main objective in civil matters "unrelated" to the person suffered the damage.
We need to go after the owner, that everything has cost, to the premises to the condition it was back before the event. In most cases, is not a penny. More on that later.
Something to consider: an insurance case usually results in higher premiums. Some insurance companies increase the award's first claim and your premiums. But if your "forgiveness" call ended. You do not want to do, because you may want to save just in case something happens on the street.
Check with your insurance company. You may be better than the owner pays the full amount of the damage and then pay the insurance that the claim is not the story.
Just one last point may be a problem of negligence or no negligence here. If flooding is not due to negligencethe owner could then hook. Check the wording of your lease carefully. There may be a clause stating something to the effect that "if there are is a fact that is beyond the control of the owner, the landlord is not responsible."
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