my insurance has refused to pay damage to doors after thieves broke into my rented residential house.my landlord want them repaired at my cost.
2007-07-11 23:46:49 · 8 answers · asked by nza6wa 1 in Business & Finance ➔ Insurance
Most household insurances are in two parts. There are two policies,one for contents and one for the building. When you own a property it is usual to have both. When renting the tenant insures the contents ,which you have done, but things like doors and windows would be covered by a buildings policy if there is one.The building should be insured by the landlord.If he has not taken out insurance to cover himself he is liable to pay the cost of repair. What would happen if the house burnt down. Your contents would be covered But would he want you to pay for a new house to be built? It is the same thing.only on a different scale.
2007-07-12 00:00:50 · answer #1 · answered by Anonymous · 2⤊ 0⤋
the Landlord is trying to get you to pay for the repairs to the door probably because his deductible on his policy is higher than the cost of the door and he does not want to pay out of his own pocket.
The bottom line is that the door is "permanently attached" to the building meaning that the Landlord is responsible for damage to it. If YOU had damaged the door it would be a different story. The Landlord needs to claim their insurance and leave you alone about this. Get YOUR insurance agent to explain it to him if he refuses to believe you.
2007-07-12 03:52:07 · answer #2 · answered by Jason S 4 · 1⤊ 0⤋
Your contents insurance policy will not cover the doors - that responsibility belongs to the insurance company that insures the property - presumably your landlord has a policy covering this eventuality (if not he is ****** stupid).
The problem is: there is probably a large excess on the policy so the damage may fall within the excess.
Whether you are responsible for the doors would depend on the terms of your lease, so I would have a close look at it. If you are responsible then often you can arrange for your interest to be noted on the buildings insurance policy. You may be able to claim from the landlord in that he is in breach of his duty of care to his tenant in failing to provide a property suitable for human habitation . . .
One further point - you may be in breach of your contents insurance company's wording if the door to your property is no longer secure - if so you won't be covered if theives come again.
2007-07-12 13:36:50 · answer #3 · answered by welcome news 6 · 0⤊ 0⤋
Your renter's insurance pays for what was stolen. Your LANDLORD's homeowner's insurance (or whatever insurance he has on the building) pays for damage to the structure. Sounds to me like he's trying to wiggle out of his responsibilities, probably so that he doesn't have to make a claim on HIS insurance, and have his rates increase. Your landlord is most likely obligated, by your rental/lease agreement, to maintain the property in habitable condition; unless you broke into your own home (yeah, I know - screwy idea...), he's responsible for fixing the door.
2007-07-11 23:56:41 · answer #4 · answered by Anonymous · 1⤊ 0⤋
What does your lease/rental agreement state? If your it says you are resposnible for all damages to the premises, then you would be liable and your tenant's policy should be paying this under tenant's legal liability. If the lease says you are responsible for all damages that you cause, then the landlord cannot demand that you get the door fixed unless he can somehow prove in court that you caused the damages.
2007-07-12 07:37:08 · answer #5 · answered by Gambit 7 · 0⤊ 0⤋
Try your building insurance. Otherwise call your insurance company and ask to speak with the chief exec. don't allow yourself to be put through to anyone else - demand the chief exec - eventually they will put you through to the chief's complaint department - complain - don't get angry or swear, but make sure you stay on the phone until you get what you want - believe me they will resolve your problem to get you off the phone
2007-07-11 23:53:31 · answer #6 · answered by professorgriff321 2 · 1⤊ 1⤋
It depends on the small print in your policy, but is sounds like yours doesn't cover them.
They are your responsibility, so you landlord is right to have them fixed (or replaced if necessary) and recharge you. There goes the deposit....
2007-07-11 23:50:30 · answer #7 · answered by mark 7 · 1⤊ 1⤋
the landloard's insurance has to pay for the damage, not yours. your renter's insurance covers your property, not the landloard's .
2007-07-11 23:54:11 · answer #8 · answered by oldguy 6 · 1⤊ 0⤋