Does landlord cover water damage? all belonging destroyed.?
There is damage in my apartment. we live in 1st floor and bathroom ceiling leaks sometimes cause they said building pipe broke or something. they say they would fix but they haven't yet. and today it leaked through closet ceiling and destroyed all the winter clothes, book, smelly, suitcase, literally everything was wet and smelly. room started to smell thats why i opened the closet, god knows when it leaked and destroyed all my belongings. I have to walk couple blocks away even to do laundry and so much work it wash all these things. building supervisor told us to take pictures and show them to landlord so it covers the damage.Now I made appointment and went to talk to them, they said since i dont have rental insurance, they don't cover the damage. I don't know much about this, but its not flood damage, not raining some damage. its something wrong with this building i live. they are just gonna come and paint tommrow thats all. I have to take my time and can't even rest and go wash all this thing paying my own money to do laundry and all.
- R PLv 78 months ago
Read your lease. More than likely you will find a clause the lets you know your belongings are not covered by the landlord's insurance and that you should obtain renter's insurance. Since you failed to do so, the cost to repair or clean your belongings is on you.
That said - you can try to sue the landlord since they did not repair the pipe in a timely manner. But it is on you to be able to prove that to a judge. AND! If you win, you will only be awarded what your belongings are worth now (not how much you paid for them)Source(s): FL landlord
- SlickterpLv 78 months ago
In this case, they are liable because they knew of the problem and did not repair, they are negligent.
- PamLv 68 months ago
Wait a minute! They can't just walk away from it because you don't have rental insurance. If the leak and busted pipe came from inside a wall, that's the LANDLORD'S RESPONSIBILITY! Take pictures and keep documentation of everything that was damaged. Put a price on it and let him know that you expect reimbursement or you will see him in court. If he calls your bluff, take him to small claims court with your pictures and evidence and SUE HIM!
- StephenWeinsteinLv 78 months ago
A landlord's insurance doesn't cover damage to a tenant's property.
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- curtisports2Lv 78 months ago
If you had renters insurance, you would have some coverage for this. And that is why you always have renters insurance. But you don't.
If the landlord is negligent, just saying, 'because you don't have renters insurance, we aren't responsible' is a lie. If the landlord is negligent in some way, the landlord is responsible. You can sue the landlord for depreciated value of what you lost. You won't get replacement cost.
But you must prove that the landlord knew there was a problem and failed to do anything about it and the problem became worse to the point your property was damaged.
I don't know how you are going to do that. You can hire your own expert to come in and determine the cause of the leaks. You will have to pay for that expert. If you sue and win, you can ask for that money. You need to properly document your damaged items, photograph everything, show the damage, perhaps get other experts to state that they cannot be cleaned and are ruined. If they can be cleaned, you can ask for the cleaning to be paid for in your lawsuit.
The people that win are the people that fight hard. You can't just sit and do nothing, you must lead the fight, get experts to help you fight.
- ALv 78 months ago
You should have renters insurance to cover your property, The landlord has insurance to cover his building and property.
- Beverly SLv 78 months ago
Normally no.. that's why you should have rental insurance to cover your own belongings.. It's very cheap & where I live all apts. are beginning to require it before you sign the lease.
- Casey YLv 78 months ago
Landlord insurance will not pay for your stuff. Even if you could prove they were grossly negligent (which they aren't here), you'd still have a very tough fight just to get the Actual Cash Value on your stuff.
For reference, the ACV on your clothing is a fraction of its cost to replace...
Consider this a very expensive lesson and buy renters insurance moving forward...nothing you can do about this claim now.
- Anonymous8 months ago
LL is responsible for their insurance to cover such however YOUR property is covered by YOUR RENTER'S INSURANCE.
- EvaLv 58 months ago
That's why you're supposed to have renter's insurance. The landlord is not responsible for your belongings.