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As a general rule, you are responsible for any damage to your property. However, if your landlord knew of problems with the ceiling but did not get them fixed promptly, he may be responsible for the damage to your property. Also, if the ceiling collapse was caused by faulty construction (i.e. the ceiling did not comply with local building codes), you would be able to sue your landlord for failing to keep the property up to building code. Finally, since landlord-tenant laws vary from state to state, your state may have a specific law that holds your landlord responsible for the damage. You should immediately see a tenant's rights agency or landlord-tenant attorney who can review your specific situation.
What else can I help you with?
Will renters insurance cover sewage pipe backup damage to personal property?
If your renters policy covers Sewer Backup then it will cover damage to personal property.
Is your landlord responsible for damage to your personal property if the damage is caused by excess snow on the roof?
Unfortunately, landlords are not responsible for any one's personal property, unless you can prove negligence on the landlord sparked, which would have contributed to the damage to the property this is something that would be argued in court your best bet is to get renters insurance
Has the ceiling caving in caused any damage to the property?
Yes, the caved-in ceiling has caused damage to the property.
Who is responsible for damage caused to a tenants personal property when the ceiling collapsed during a storm because the building was not weatherproofed correctly and the tenant didn't have insurance?
The answer is basically no. The landlord is never responsible for damages to personal property belonging to tenants in any dwelling or structure. That is why you are strongly encouraged to get renters insurance. In some cases you may have some recourse if the landlord knew of the problem. But if you get renters insurance be insurance company can determine that for you and they can seek damages from the landlord.
Can renters insurance protect you if you have a leaking ceiling and it caves in?
Yes, your renters policy will pay for your damages, depending on the actual cause of the damage. If it was a leak that occurred over time and finally the ceiling fell in due to the water building up on the damaged sheetrock, then the landlord would be responsible for the damage due to a lack of maintenance. If a tree fell on the home during a storm and poked a hole in it causing the damage then his policy would cover it.
Is my landlord responsible for damage to my personal property The leak is caused by excess snow on the roof It all happened in one day leak started came into house damaged property i came home 2 it?
Unfortunately, if you are renting No he is not responsible. You need to always have whats called "Renters Insurance". However, if the roof was previously bad and you made a written complaint, or it is on file, then Yes he is responsible. He new of the damage and didn't fix it. Renters Insurance is just like Mortgage insurance for a house. However Renters Insurance is a lot cheaper.
Is the bathroom leaking through the ceiling causing any damage to the property?
Yes, the bathroom leaking through the ceiling is causing damage to the property.
What does home renters insurance cover?
Your home renters insurance will cover you for loss or damage to the property which you own and which is kept within your rental property. Any damage to the actual structure of the building would be covered by the landlord's insurance.
Does renters insurance cover damage to others property?
No. "Renters Insurance" is property coverge for a tenant. It will cover the property of the named insured Tenant or Renter that is located within the rented dwelling. It will not cover property of someone who is not a named insured on the policy.
Will renters insurance pay if a car is hit on property?
No, Renters insurance is coverage specific to household property or contents owned by the named insured. It does not cover the property of others and it does not cover automobiles. Neither Renters insurance nor Homeowners insurance will cover damage to an automobile. That's what auto Insurance is for.
If the landlord's house is damage will the renters insure cover the damages?
Typically, renters insurance does not cover damages to the landlord's property itself; it primarily protects the tenant's personal belongings and liability. If the damage is due to the tenant's negligence, they may be held responsible for repairs, but this would be outside the scope of renters insurance. Tenants should check their policy for specific coverage details and consult with their landlord regarding repairs. It's also advisable for landlords to have their own property insurance to cover such damages.
What is the benefit of AAA renters insurance?
AAA renters insurance is beneficial for a number of reasons. The main importance is that it provides significant peace of mind, so that if any damage occurs to the property or furnishings, then the damage will be paid for in full.
