imastawka
Honored Contributor
In response to debra9275

‎30-04-2015 05:05 PM - edited ‎30-04-2015 05:05 PM

All landlords should have it.   I don't think ordinary insurance will cover you if you have

tenants.

imastawka
Honored Contributor
In response to imastawka

on ‎30-04-2015 05:19 PM

Had a bit of a google (hehe) and Renter's insurance only covers

contents for fire and theft.

 

But how does a renter cover themselves for this scenario?

0 Helpful

janeababe
Community Member

on ‎30-04-2015 05:23 PM

Even though it was an accidental fire, it was still caused by negligence. The insurance company has the right to try and retrieve some or all of the costs of repair from the person or persons responsible for the accident (in this case, the tenants)

The insurance company will most likely take the tenants to court.

 

Be mindful, this issue will now increase your premiums.

 

 

.... Hope no-one was hurt.
xxj

********* *********** *********** ************ ************ *********** ***********
Be Kind To Nurses....
They Stop The Doctors From Killing You.
0 Helpful

imastawka
Honored Contributor
In response to imastawka

on ‎30-04-2015 05:25 PM

Talking to myself here, but.....

 

If a tenant doesn't even have the option to take out insurance

to cover a scenario like this,  doesn't that make it unfair in law for the

Insurance company to sue for the damages?

j*oono
Community Member
In response to janeababe

on ‎30-04-2015 05:25 PM

It's all a bit of a rort isn't it.  They take money from the landlord to insure the property and then they take money from the tenant to fix it.

 

Joono
0 Helpful

janeababe
Community Member
In response to j*oono

on ‎30-04-2015 05:27 PM

@j*oono wrote:

It's all a bit of a rort isn't it.  They take money from the landlord to insure the property and then they take money from the tenant to fix it.

 

yep!   All insurance is a rort! 

cant win if you have it, cant win if you dont!   *sigh*

********* *********** *********** ************ ************ *********** ***********
Be Kind To Nurses....
They Stop The Doctors From Killing You.
0 Helpful

flashie*
Community Member
In response to janeababe

on ‎30-04-2015 05:32 PM

As the landlord we are all covered..........and the property is fixed.

 

I am trying to help the tenant................she had no contents insurance at all..............(which was her responsibilty)........she lost everything......and now this.

0 Helpful

janeababe
Community Member
In response to flashie*

on ‎30-04-2015 05:36 PM

@flashie* wrote:

As the landlord we are all covered..........and the property is fixed.

 

I am trying to help the tenant................she had no contents insurance at all..............(which was her responsibilty)........she lost everything......and now this.

I think  it would be best for her to get legal advice.


********* *********** *********** ************ ************ *********** ***********
Be Kind To Nurses....
They Stop The Doctors From Killing You.

imastawka
Honored Contributor
In response to flashie*

on ‎30-04-2015 05:37 PM

Sorry to hear it flashie, but as long as you and yours are fine.........

 

Hope it all works out ok

0 Helpful

debra9275
Community Member
In response to flashie*

on ‎30-04-2015 05:40 PM

Flashie, if it was your insurance and it was covered, ( as accidental damage)it seems wrong that they expect the tenant to pay anything at all. Have you had a good read of your policy ?
0 Helpful