The person on the third floor left her shower running for several hours. The water damage to my place and the one UNDER mine was extensive to the walls carpet and to MY furniture and clothing The question actually is "Is the person who has the insurance responsible for my loss" I have no renters ins.
2006-10-23 10:32:23 · 5 answers · asked by RON G 1 in Business & Finance ➔ Insurance
If the person who's shower was running has renters insurance turn in a claim to that company. The damage to your property would be covered under their liability coverage so long as they are determined to be at fault for what happened.
The landlord does not carry insurance for your belongings and his policy will not pay the damages.
Go talk to your neighbor and see if she has insurance. Get the name of the agency she is insured with, the policy number and the phone number for the agency. Call yourself and turn in a claim.
2006-10-24 03:15:56 · answer #1 · answered by blb 5 · 0⤊ 0⤋
If he/she has a renter's insurance, more than likely there is a liability coverage. Your damage is liability for the upstairs people.
If he/she does not have any renter's insurance, then you have to request your loss to them. It is up to them to pay you or not. You may bring it to the court and get the judgment!
You may check your renter's insurance from this;
http://jollainsurance.com
Once you enter your information, you will be contacted by the licensed agents with their best quote for your insurance needs.
2006-10-24 13:03:48 · answer #2 · answered by John 2 · 0⤊ 0⤋
They don't have an OBLIGATION to carry renters insurance, just like you don't. HOWEVER, they are PROBABLY responsible for all the damage to the building & contents. What you need to do, is assemble a list of your damaged stuff, get your landlord to fix the building portion, and sue them in small claims court.
Once you get a judgement, they have 30 days to pay it (they probably won't be able to) and then you can sue them for failure to pay, and (maybe) get a garnish on their wages, or attachment to any assets they might own.
2006-10-23 17:38:57 · answer #3 · answered by Anonymous 7 · 0⤊ 0⤋
Silly silly as to have no insurance. The insurance of the person upstairs wiil cover only their contents. What if there was a fire in your building. The landlords insurance does not cover your loss.
2006-10-23 17:38:33 · answer #4 · answered by Sandra S 2 · 0⤊ 0⤋
It depends on their insurance policy, but I highly doubt there is much coverage (if any) for the property of others.
It may also be the responsibility of the complex. Check into both.
2006-10-23 17:36:52 · answer #5 · answered by Phoenix, Wise Guru 7 · 0⤊ 0⤋