What is the landlord's responsibility to tenant's body injury or death due to a building collasping during a..

Question

...earthquake since the normal homeowner insurance doesn't cover earthquakes?

Answer 1

First of all there are two coverages to discuss. Earthquake exclusions apply only to property damage such as building or personal property and is a first party coverage: meaning if you own the property you buy the coverage and the insurance company pays you. The landlord does not insure your property so his policy will not pay for any damage, Earthquake or otherwise.

The landlord also carries liabiility insurance that pay for your damaged property, bodily injury or death IF it was caused by his negligence. This is called third party liability since the landlord buys the coverage but you get paid if he is negligient. EQ injuries are not exclude in liability policies. But normally EQ damage is considered an act of God and it would be hard to show in court he caused the injury. Bottom line he is probably not responsible.

Answer 2

1

Answer 3

There is none.

Your bodily injury costs during an earthquake are paid for by your health insurance plan...not your landlord's policy.

A landlord's policy covers property damage only to the propery owned by the landlord and only if the landlord has an earthquake rider on the policy.

There is no coverage on any of the tenants contents unless they have a renter's policy with an earthquake endorsement.

There MAY be some liability coverage on a landlord's policy, if they've purchased it....but it will likely exclude earthquake related injuries.

And, even if you did recover some money from a landlord's insurance policy....that award will ALWAYS be reduced by whatever health insurance coverage you may have had.

So let's just say you were hurt in an earthquake and you incurred $25,000 in medical bills which were paid for by your medical insurer. And, you won a $35,000 insurance settlement based on the negligence of your landlord. Your $35,000 will be reduced by the $25,000 you already received via your medical insurer and you'd get $10,000 from the landlord's policy. That doesn't stop you, however, from continuing to pursue the landlord personally. Just because his policy either paid out its limit or didn't pay at all....doesn't mean you can't try to get money from him personally.

Answer 4

by way of quickly reporting the subject which began Aug. 22 to the valuables supervisor, you have probably shifted next financial accountability for the 6 day leak to the landlord (landlord). while the valuables supervisor became into unable to quickly fix the defective plumbing and recommended you that she might notify the landlord (landlord) to get the subject solved, i might argue that financial accountability for next leakage shifted to the landlord and his agent, the valuables supervisor. I study countless solutions suggesting tactful negotiation, and that's stable suggestion. on the main, you're able to grant to pay one month's everyday utility bill of roughly $40 5.00 which you little doubt used. The water utility corporation purely needs to be paid, so the question is who pays the different $235.00 for the month in question. This assumes you or the landlord (landlord) have not have been given any thank you to barter the bill decrease, and you have reported that "it became into desperate that this bathroom did not run water consistently using any negligence on my behalf." If negotiation fails to confirm the undertaking on words you hit upon appropriate, you're able to be able to could seek for suggestion from with a criminal professional who specializes in this component of the regulation. If that's needed, i can virtually assure which you will spend extra desirable than $235 in criminal professional costs to confirm a quite small bill. hence, hiring a criminal professional could be a final hotel and could have as a objective keeping you interior the condominium property for the the remainder of your condominium era.

Answer 5

Yes, if you can prove the landlord caused the earthquake.

Answer 6

You would have to prove negligence on the part of the landlord. For example, if the building was supposed to be retrofitted and the owner failed to do so, and you can prove it....you should be able to recover. But the key to this, as well as any claim, is negligence on behalf of the owner.

Answer 7

None. The landlord is NOT responsible. Sorry.