Insurance claim for fire damege

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PostPosted: Wed May 02, 2012 6:27 am   Post subject: Insurance claim for fire damege  

I share my apartment with my landlord, and have got a renter's insurance. A recent fire has caused damages to both our properties. However, my landlord was deemed responsible for the fire. Can I make claim on his insurance or make him pay? Or will i have to use up my insurance?


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Georgie26
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PostPosted: Wed May 02, 2012 1:31 pm   Post subject:   

Quote:
I share my apartment with my landlord


That's just weird.



If your landlord/co-tenant truly was at fault for the fire, then you should make a claim against his liability insurance. Expect that claim to be denied.



You can make the claim with your own insurance company, and they could deny coverage on the basis of your unusual "living arrangement".



When both companies deny your claim, you will have to sue your landlord and let the judge decide. If you win, his insurance will pay. If you lose, you lose twice. And you might also be evicted for suing your landlord.



I see the potential for an appearance on The People's Court or Judge Judy here. That might be the best solution . . . because you'll probably both get some money out of it.


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PostPosted: Wed May 02, 2012 2:05 pm   Post subject:   

I can not think of any reason that your own renters insurance policy would not cover this. I don't see it as being that unusual of a situation as many people buy a house and rent out a room or two. As for suing your landlord that is more of a legal question and my experience is as an adjuster, however I can tell you that if he is responsible your insurance company could and probably will go after him to get reimbursed for the loss but that is really not your responsibility.

You have insurance to protect your property from these types of losses, call it in!



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PostPosted: Fri May 04, 2012 7:06 am   Post subject: reply  

That's just weird.



If your landlord/co-tenant truly was at fault for the fire, then you should make a claim against his liability insurance. Expect that claim to be denied.



You can make the claim with your own insurance company, and they could deny coverage on the basis of your unusual "living arrangement".



When both companies deny your claim, you will have to sue your landlord and let the judge decide. If you win, his insurance will pay. If you lose, you lose twice. And you might also be evicted for suing your landlord.



I see the potential for an appearance on The People's Court or Judge Judy here. That might be the best solution . . . because you'll probably both get some money out of it.

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PostPosted: Thu May 17, 2012 5:08 am   Post subject: Insurance claim for fire damege  

you should make a claim against his liability insurance.

you can make the claim with your own insurance...

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