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| *Loan,banking and credit>>>property insurance |
If u have a fire in rented property and u don,t have insurance r u required 2 4 damage or the deductible? |
the fire was caused by a clothes dryer my clothes dryer . It was in the basement the landlord charged me 4 damage and smoke damage but never touch the main floor of the house no paint nothing . he replaced all the windows in the basement had them all cemented up. painted the basrment and replaced 2 door . OK, it's really hard to understand a question with all 2's & R's instead of spelling it out. So likely there will be a misunderstanding. R U required 2 4 damage. What does that mean? "Are you required to for damage" doesn't make sense. Do you have to pay for damage? What does your lease say? Are you legally responsible for it? You'll have to go to your lease. Likley, if there's no lease, you won't be responsible for the fire damage to the landlord's buildng. If the lease holds you responsible, and you signed it, then yes, you have to pay for the damage. Whether or not you have insurance is irrelevant - it doesn't MATTER if you have insurance, what matters is, what did you agree to in the lease. Just because you didn't buy the policy, doesn't get you off the hook for paying for the damages, if you agreed to be responsible for them in the lease. Otherwise, that would be like a guy saying, ok, if I don't carry car insurance, I can cause as many accidents as I want and not have to be held accountable for them. It just doesn't work that way. Insurance is there to help YOU, if you buy it. You didn't buy it - ok, you're on your own. So now you have to go to your lease or rental agreement to see what you already agreed to do. Source(s): agent, 21+ years Unless you have your own renters insurance, the insurance on the property is to protect the landlord. If he files a claim he may have to pay the deductible but then could come sue you for damages, as could the insurance company for the part that they are stuck with. If it's a lot of damage, get a lawyer. Also get EVERYTHING in writing. Keep all records of any additional payments you may make to the landlord for damages but most of all, get legal advice. Good luck! |
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