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Can landlord use home insurance claim if tenants wreck property?
Wiki User
∙ 14y ago
If the tenant damages the property he is liable for such damages. The Landlord may or may not have his own insurance for this purpose but the tenant is liable. If the Tenant has his own insurance (Renter's Insurance) then the Tenant may file a claim and damages will be covered by that insurance.
Wiki User
∙ 14y ago
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Is your landlod responsible to replace a computer desk due to a leak in the ceiling?
Usually not. A landlord doesn't own the property of his/her tenants and insurable interest is necessary when collecting on an insurance claim. Most property policies specifically exclude coverage for property of tenants and roomers. Unless there's a relationship that exists other than the typical landlord/tenant relationship, there won't be any coverage.
Is there a squatters rights law for tenants living in Indianapolis?
No. Tenants have permission from the landlord to use the property. You can't claim adverse possession if you had permission to use the property. If a tenant refuses to leave they can be evicted. Squatters are trespassers in the United States.
Can i claim to own my property from my landlord?
Unless you have purchased the property from your landlord as opposed to continuing to rent it, you have no right to claim to own the property. To prove ownership of the property, you would require the deed.
What to do when your basement tenant sue the house owner six weeks after a fall without even inform the owner at the time of fall and Is it covered by homeowner insurance?
It is very difficult to prove if the tenant had not informed the tenant at the time of fall. Judge will suspect that it is fraudulent insurance claim. Tenants are not covered by a homeowner insurance. However, if the homeowner has a landlord insurance, tenants are covered.
I was subletting a house and the renter left leaving furniture what can i do with it?
you must have the landlord amend or start a new contract with you on the (a) rental agreement with you as the remaining and continuing tenants. Then you need to have the landlord remove the abandoned property left by prior tenants and store it for a minimum of 30 days. Once this is done the landlord must give prior tenants legal notice of how and when to obtain there belongings.It must state the date it is to be picked up by with the deadline ending at midnight on the 30th day after posted or mailed date of notice. If the tentants do not show up to claim property or have not made arrainngments to retrieve the belongings the landlord can dispose of the property any way they see fit.
Why would a landlord request that he be named as an additional insured party on your renters insurance policy?
Renters insurance and the Additional InsuredIt is common to list the property owner as an additional insured, After all you are renting his property and have accepted certain liabilities for damages to the property. The reason a landlord would require this is in the event that a loss occurs and the tenant refuses to file claim, the landlord as an additional insured can call and file the claim for you. AnswerThat is a good question. You are right to be cautious ask your insurance agent.
Can a landlord and his insurance claim money from you for a kitchen fire?
Your "Renter's Insurance" should be the one paying the claim. It is your responsibility as a tenant to report any property damage to the landlord, and at the same time it should have been reported to your insurance carrier. If, per chance, one does not have renters insurance (which escapes all understanding why one wouldn't have this) then the tenant is responsible for all damages above what is considered normal wear and tear.
My friend passed away we had an Ohio surviviorship deed the property was destroyed a total loss will the insurance claim money come directly to me as the surviving owner?
If you and your friend owned your property as joint tenants with the right of survivorship then when your friend died her/his interest passed directly to you. The insurance payoff would go to you unless there is an outstanding mortgage or other lien on the property.
Can a renter make a flood insurance claim in Texas?
That depends. If the renter has their own flood insurance then the renter could certainly file a claim on it they have a flood loss. If your asking can the renter file a claim on the Property owners flood insurance then the answer would be no. The owners flood insurance would be specific to the owners property, not property belonging to a tenant.
I have an existing lease now owner says everyone in complex has to buy renters insurance have to buy renters insurance?
If it's not in your current lease agreement then there is no way he can force you to buy it. But when your lease comes up for renewal he can insist you get it or just not renew your lease if you refuse. Most complexes now require that tenants purchase renters insurance. It protects both the tenant and their property as well as the landlord against damages to his property by a tenant. This has become common practice these days with leases both personal and commercial. Most likely someone in your complex has tried to bring a claim against the apartments for some personal property loss, or, They trashed the apartment they rented leaving a big repair bill for your landlord, so your landlord is just avoiding future problems and expenses by conforming to current industry practices and requiring that everyone get insured.
Can you take out an insurance policy on a dwelling you do not own and if so who gets paid if there is a claim in that dwelling in south Carolina?
You can only legally insure property in which you have an insurable interest. Either you own the property or you accepted responsibility via contract. In any event, only the legal owner may receive compensation for a covered loss. If your only renting a home from a third party, You do not generally have an insurable interest in the house. Responsibility for securing coverage on behalf of the owners may be transferred via contract but generally the landlord obtains a Hazard Insurance Policy. The recommended coverage for a residential tenant or renter, is called a Tenants Insurance Policy or sometimes it's called Renters Insurance. Tenants insurance will offer coverage for your belongings as well as liability and relocation expense. Best wishes
How do you claim auto insurance when you wrecked your car on your property?
It would be an auto claim for the damage to the other and a homeowners claim for the damage to your property. You cannot be liable to yourself, so you cannot claim the property damage on your auto policy.
