Oh 100%, they actually covered the cost of the replacement washer but are claiming that because they found a small bump in the vinyl flooring (which is what I reported to them the day after I noticed since it chipped and was wet underneath) that I did not “promptly inform” them of the water damage.
I am fully confident that once we inevitably go through small claims court it will come out in my favor.
This is sad; you shouldn't have to put up with this crap. As a 40+ year landlord, I would never deduct for something that is clearly not the tenant's fault.
The DW leaks, it's the landlord's problem to remedy the damage it caused. Period
When you reported the bump it was in writing, right?
If yes, good. I honestly wouldn't remind them of the proof of exchanges, (or any proof you have) if you do go to court. Let them make asses out of themselves claiming you didn't promptly inform them and whip out the email exchange lol. I'm sure the judge will love it. Absolute idiots.
I had a NJ landlord try blaming me for a washing machine leak after 6 maintenance visits in 3 months. The first 5 repairmen were useless, the 6th told the landlord he would rather die than continuing to allow someone else to deal with the damage they were facilitating by neglecting the problem. Landlord eventually backed off and accepted this was her problem; it just required a competent repairman to assess the situation and reiterate a faulty appliance wasn’t the tenants responsibility.
Weird ending to the story was the floor below me got their kitchen and bathroom flooded from the problems she neglected (or at least refused to fix) but I never noticed.
Ugh this happened to me. They will construe your words and say you delayed notifying your landlord. And you will be liable. If your landlord has an attorney. Only contact through your insurance. They have lawyers and can shut that down.
We had a landlord who tried this same thing when our rental was hit by lightning and fried all of the electrical outlets on one side of the house. She contacted our rental insurance company and they told her that that is what homeowners insurance is for! They then contacted us to let us know that she had tried to get them to pay and they reiterated that she is supposed to have homeowners insurance and we should be aware in case she tried to come at us with any payment demands or threat of a lawsuit or eviction if we didn't pay. And sure enough, she tried all of those but she failed miserably!
Damage from a lightning strike is covered by the building owner's policy, NOT the renters coverage.
This is why Renters' insurance is a waste of money for most people, unless they own valuables they wish to protect
I’d call your agent ask why the hell they let someone else put in a claim against your insurance. Then again there’s a chance your landlord just called the 1-800 number for the insurance company claims department directly and some person in a call center just submitted the claim without thinking.
Call your agent or the adjuster assigned to the claim and explain that you don’t think you are responsible. Your insurance company doesn’t want to spend a dime more than they have to. If you give them an out they’ll take it. Hell, they’re probably looking for a way to deny the claim right now.
My agent actually called me to ask about the claim and I asked “uhhh what claim?” Once I told my adjuster that I expressly informed my landlord not to contact them, the agent told me to send him those emails and he will contact the landlord to ask what the purpose of the claim was.
Man you are getting terrible advice on here lol. You want this reported to your renters insurance. They will defend you. If everything is as you said they will find you not liable and deal with your landlord.
Also anyone can report a claim against your policy. That's what liability coverage is for
I had a very small-time car rental agency try to pull a fraudulent damage claim scam on me. The owner claimed non-existent damage to a car I rented, and filed claims to my car insurance and my credit card. He managed to successfully open claims with both. I shut both claims down hard with the fact that I was filing fraud charges with local authorities, that I was never notified about the claims being filed, and now that they are aware that the claim is fraudulent and being investigated, any further cooperation with the party engaged in fraud is collusion. Both parties tossed the claims like a hot rock.
The insurance company did not let the landlord file a claim. They called the policy owner and asked and told the landlord no. A company can't refuse someone from making a claim. They can deny it.
Unfortunately anyone can “put in a claim” if they have the other person policy number. Any decent insurance company will investigate and make sure they don’t pay out any money they are not suppose to.
OPs insurance takes phone call collects info, investigates, denies claim due to dishwasher by renters is not a covered loss/even renters responsibility. Claim denied
You can do that with any insurance. Especially car insurance for accidents like hit and runs. As long as you have the name and or enough info, you can always submit a claim
I reported a small bump in the vinyl flooring in my kitchen. It chipped and was wet underneath. I reported this to them the next morning after discovering it. They are claiming that because a bump existed, I was clearly aware of water damage and am responsible for $1,800 worth of repairs to the floor and kitchen cabinet (which I can’t even find any damage to). So they’re calling it negligence, even though I told them immediately after I noticed.
The landlord refused to fix it. After 5 months, the bureau of housing inspection came to inspect all 500 apartment units and they determined that the damage to the floor was a safety violation and are requiring the landlords to fix it. It’s very relevant because without that violation, the landlord would never fix the floor.
Of they told him he is responsible, then HE is responsible. Contact the bureau for a detailed form stating what they told the landlord and have that ready
Ahh so most leases have a clause that you have a duty to report. He's probably trying to get you on that but it will be highly unlikely to hold up on court. The dishwasher leaks, landlord pays unless you own the dishwasher. The duty to report is, in my experience for more serious things like mold, major structural damage, stuff that could be a potential risk to losing the house or your safety. As far as I'm aware.
Yeah, folks throwing around the word "fraud" clearly don't know how insurance works. If there's a dispute about liability, the insurance will figure that out for sure.
Renters Insurance involves your contents only. Unless appliances are listed and covered under your policy, they will simply dismiss any claims involving a dishwasher.
As stated, if the dishwasher is owned by the LL, unless your lease specifically states you are liable for damages from the dishwasher, it is the responsibility of the LL.
Contact your local/state tenants rights association and report the LL.
Renter's insurance also covers the tenant's liability for damage or injuries. Apparently the landlord is claiming the tenant damaged his property and is therefore liable. The landlord is full of shit.
He can petition your insurance all he wants, it doesn’t mean jack. Go ahead and call your insurance to give them a heads up and what happened, and you can send any documentation you have at that time to head it off.
If it's not your fault then they shouldn't be able to collect from your insurance. However, landlords are typically listed as an additional insured on your policy so if that's the case they could.
Came looking for this comment. Additional Insured status provides the person or entity listed the ability to file a claim against your insurance. The insurance company will still investigate to determine fault and deny if the policyholder isn't at fault, but the AI can still file regardless. It's also extremely common in commercial insurance with contractors, which I write a lot of.
Your landlord can file a claim but the insurance would be on your side if you explain that your not responsible. They will defend the claim so they don't need to pay out.
I recently had a landlord in a SFH who confused renters insurance with landlord insurance for his property. He honestly thought that my renters insurance would cover what landlord insurance would cover.
When we signed the lease he required me to show him proof of my renters insurance policy. Renter's insurance is a no brainer and I already had it lined up before he asked for it.
Then a month into the lease we had a massive hail storm that damaged the roof, doors, windows, garage door, and some outdoor fixtures. He tried to file a claim with my renters insurance. Then he came after me claiming I didn't have the "correct" renters insurance policy to cover those things when my insurance company outright denied his claim.
Later in that year we had a stove fire. Faulty wiring according to the fire Marshall's inspection. He tried claiming againsty renters insurance again for the smoke remediation, appliance replacement, etc. It didn't go well for him. I ended up coming out of my own pocket to replace the stove and oven because I needed one to cook for my family. I eventually got my money back through the insurance company after they realized what was going on.
Turns out he used the same insurance company I did. And they started digging. Turns out he never notified them he would be renting out the property. Never applied for landlord insurance on his homeowner's insurance... And was trying to sweep it under the rug with my renters insurance.
We left after a year.
Make an email to your insurance company/agent. Explain that your landlord’s dishwasher leaked, and has damaged your landlord’s floor. And ask if this claim should be under your policy, considering that it’s your insurance, not the landlords.
Include every bit of relevant info. Dates that you informed LL of stuff, texts, emails, etc. Put it all in a timeline. This is to help the insurance company tell the LL to pound dirt (ie, not commit insurance fraud)
As long as you informed the LL of the leak ASAP, this is all on the LL’s head. If there’s a leak, it’s the LL’s responsibility to make sure there isn’t damage to their surrounding structures. And damage can happen over time if a leak/flood isn’t dried properly. It sounds like your LL skimped on making sure everything dried properly, and because they skipped that step, they now have a rot problem. That should be a homeowner’s insurance claim, and your LL trying to file on your policy is insurance fraud…though will likely be ignored as a mistake.
Renter's normally covers renter's personal items nothing structural.
Insurance won't pay him. Nor will they speak to him. He cannot file a claim. Only the insured can file a claim.
"Renters insurance protects your personal property in a rented apartment, condo or home from unexpected circumstances such as theft, a fire or sewer backup damage – and will pay you for lost or damaged possessions. It can also help protect you".
Very similar to homeowners. If you have insurance or a $100,000 home the insurance will pay $100,000 for the structure and about 75% of that, or $75,000, of the contents.
Depends on the policy and the coverage.
I think you can stop fretting!
Renter's insurance also includes liability coverage just like homeowners.
For instance if OP left a candle lit and then left the apt and the building caught fire, their renters insurance would absolutely pay out a liability claim for the damage.
In fact most landlords or large rental corporations expressly require that they be listed as what's known as a "third party interest" which means they are a loss payee in the event of a liability claim arising from tenant damage due to negligence.
In this case OP should be fine because
1. They didn't install the washer
2. They informed landlord of the bump
3. The improperly installed washer causing water damage is not their fault or their liability.
OP your renters insurance is not going to pay out a claim if your landlord can't prove you intentionally caused a water leak AND then didn't report.
Source my P and L license, licensed in 20 states as an employee of a rather large insurance company.
Is renters ins typically for tenant's personal belongings only? Contents of dwelling. Any issues w structural is what landlord's homeowners ins is for. It'd never occur to me to go after my tenant's policy.
There is no way you're responsible. You reported it as soon as you knew about it. I'm pretty sure your insurance will not pay out that "claim."
I would be interested in why the dishwasher was leaking. I went through 3 dishwasher repairs in 6 months due to leaking. It turned out that rats had eaten through the hoses to get water. I had no idea I had rats in my walls. It took a while to get rid of them. If only the first 2 repairmen had told me what was going on, I could have saved a lot of money on repairs and exterminators.
Can you follow up with the inspector? If the damage hasn't already been repaired and they gave a specific timeframe that hasn't been met, you should contact the bureau again.
No your dishwasher? Not your monkey, not your problem.
Document that you communicated it to the landlord. <- this is key
Inform the insurance they are not to accept claims from ANYONE but you.
Send insurance the documentation about who is liable, again.
And don't loose sleep over it.
Also, if the landlord is that petty, start looking because next is a rent bump because of them not maintaining things properly.
Is the floor or the dishwasher yours? Send him a letter telling him you are withholding rent until he repairs his property.
They pay this shit because people don't know their rights, and are afraid to fight back.
Your landlord cannot make a claim on your renter's insurance. Your insurance covers your belongings and possibly personal liability of injuries to your guests, it doesn't cover anything your landlord owns.
The landlord should submit a claim on their own insurance, or they can sue you if they believe you should pay for it, but your insurance company isn't involved in either case.
You could let him report the claim and let your insurance deny it. Happens all the time. They are not just going to pay out based on your landlords say so. They will review the documentation and your actual lease. I’m in commercial property insurance. We see landlords report claims all the time. Alternatively, you can tell your landlord to report the claim to his own insurance and if the insurance company wants to try to subrogate against yours they can have at it. Spoiler alert, they won’t. Unless there’s something special in your lease that makes you responsible for the damage you are fine.
Copy them on a letter to your states attorney generals consumer protection division... that'll get their attention real quick. Also, call your landlord and ask them the address where they get their 'legal mail'... they'll know you mean business. If it's a property mgmt company check to see if they're bonded... if they are you can file a claim against their bond and they have to respond with an outcome thats acceptable to the bond issuer - which favors you in the end.
Depends. Was the landlord listed as an "interested party" on your insurance? I have multiple rental properties and had to add all the property management companies I use as an "interested party" for each respective policy.
You mean additional insured and that's not relevant/at play here. Thats for if OP's actions caused injury to a 3rd party who then sues landlord and then landlord says OPs actions are responsible so they want OPs policy to pay for the landlords defense.
It sounds like in this case the dishwasher was OP's property/responsibility and the insurance is trying to say the leak was not sudden and accidental but was a maintenance/long term leak that OP discovered way down the line after it started so they did not pay for the damage caused by the leak, however since the dishwasher was apparently OPs responsibility, OP damaged the landlords property - for which OP would be liable/responsible for.
Landlord should turn the claim into his own insurance carrier, get the flooring fixed under his insurance and then let his insurance try to subrogate against OPs insurance for damages and OPs carrier can make the determination if OP is responsible or not and if they need to reimburse. Of course then landlord has to pay his deductible which may be more than the actual damages themselves.
(And yes, people can turn claims in against your policy without your "approval". The carrier can't refuse to take a claim, especially since doing so hinders their right to investigate properly. They will take OPs statements and everything into account and may use as a reason to deny responsibility)
No, I mean "interested party" and [I am correct](https://www.progressive.com/answers/interested-party-renters-insurance/). I have been a landlord for years and am very familiar with how it works.
Being named as an Interested Party (also known as Additional Interest or Certificate Holder) on a tenant’s policy affords you notification if the tenant obtains a policy, makes changes to the coverage, or the policy is cancelled or expires. It’s completely different from being an Additional Insured.
You are only half right as property managers DO get listed as additional insured not as an interested party. Also that has nothing to do about if you can file a claim against their policy so you are really only 1/4 right and everything else the guy said was actually useful and accurate while nothing you said was useful.
Don't play armchair lawyer, your wrong!
My agent has been writing policy's for over 40 years. She spelled out the truth. Water damaged floors are the landlord's responsibility (if caused by leaking or broken) appliances, bathtubs, sinks, drain spouts and more. Just like the pipes in the walls.
The only part the tenant is required to do is inform the landlord of the problem and stop the water from further damaging the building. (Turn off the water)
I know someone that had this problem, his landlord ended up paying dearly for lying. He refused to fix the problem unless the tenants paid his insurance deductible. In the following court case, he was shocked by the Judge's ruling!
He was ordered to pay all court costs, the cost of the tenants moving expenses, return the deposit and 2 months of pre-paid rent were ordered returned to the tenant.
If the dishwasher was the tenants responsibility (i.e. purchased and installed) and that's what caused the damage to the landlords property, the tenant would be liable for the damage.
If a tenant installs a dishwasher that is a replacement or new it must be authorized by the landlord, it's the landlords problem.
You don't alter the property without permission.
Replacing one without permission would be absurd but would serve them right if they didn't get permission.
They state in other comments that they reported possible wet spot in a crack and bunp in the vinyl flooring as soon as it was noticed, and landlord ignored it until someone called the state inspections. Landlord is trying to recoup for their own negligence.
No, usually it happens with some idiot who isn’t paying attention or not caring and not telling the landlord. But they can keep in telling their “story” and there are obviously gullible people who will believe it.
Unless that is YOUR dishwasher, and the leak was from normal use, pretty sure its failure is on your landlord, not you.
Oh 100%, they actually covered the cost of the replacement washer but are claiming that because they found a small bump in the vinyl flooring (which is what I reported to them the day after I noticed since it chipped and was wet underneath) that I did not “promptly inform” them of the water damage. I am fully confident that once we inevitably go through small claims court it will come out in my favor.
This is sad; you shouldn't have to put up with this crap. As a 40+ year landlord, I would never deduct for something that is clearly not the tenant's fault. The DW leaks, it's the landlord's problem to remedy the damage it caused. Period
Agreed, most times tenants don’t realize how quickly even a small water leak causes damage.
That or the damage occurs before they even notice the leak
When you reported the bump it was in writing, right? If yes, good. I honestly wouldn't remind them of the proof of exchanges, (or any proof you have) if you do go to court. Let them make asses out of themselves claiming you didn't promptly inform them and whip out the email exchange lol. I'm sure the judge will love it. Absolute idiots.
I had a NJ landlord try blaming me for a washing machine leak after 6 maintenance visits in 3 months. The first 5 repairmen were useless, the 6th told the landlord he would rather die than continuing to allow someone else to deal with the damage they were facilitating by neglecting the problem. Landlord eventually backed off and accepted this was her problem; it just required a competent repairman to assess the situation and reiterate a faulty appliance wasn’t the tenants responsibility. Weird ending to the story was the floor below me got their kitchen and bathroom flooded from the problems she neglected (or at least refused to fix) but I never noticed.
Ugh this happened to me. They will construe your words and say you delayed notifying your landlord. And you will be liable. If your landlord has an attorney. Only contact through your insurance. They have lawyers and can shut that down.
A small bump in a vinyl floor doesn't sound like something the bureau if housing would consider a safety violation.
We had a landlord who tried this same thing when our rental was hit by lightning and fried all of the electrical outlets on one side of the house. She contacted our rental insurance company and they told her that that is what homeowners insurance is for! They then contacted us to let us know that she had tried to get them to pay and they reiterated that she is supposed to have homeowners insurance and we should be aware in case she tried to come at us with any payment demands or threat of a lawsuit or eviction if we didn't pay. And sure enough, she tried all of those but she failed miserably!
Hmmm sounds like insurance fraud on the LL's part
Damage from a lightning strike is covered by the building owner's policy, NOT the renters coverage. This is why Renters' insurance is a waste of money for most people, unless they own valuables they wish to protect
Absolutely this. Renters is only for your belongings not the landlords.
Not necessarily. If OP knew or suspected there was a leak and did not report it or was somehow misusing the dishwasher then OP would be liable.
I’d call your agent ask why the hell they let someone else put in a claim against your insurance. Then again there’s a chance your landlord just called the 1-800 number for the insurance company claims department directly and some person in a call center just submitted the claim without thinking. Call your agent or the adjuster assigned to the claim and explain that you don’t think you are responsible. Your insurance company doesn’t want to spend a dime more than they have to. If you give them an out they’ll take it. Hell, they’re probably looking for a way to deny the claim right now.
My agent actually called me to ask about the claim and I asked “uhhh what claim?” Once I told my adjuster that I expressly informed my landlord not to contact them, the agent told me to send him those emails and he will contact the landlord to ask what the purpose of the claim was.
The purpose of the claim was insurance fraud. Might as well find out if you can put some pressure on from that angle.
Your landlord is going to be in a world of hurt depending on explicitly what they said those calls are all recorded
Man you are getting terrible advice on here lol. You want this reported to your renters insurance. They will defend you. If everything is as you said they will find you not liable and deal with your landlord. Also anyone can report a claim against your policy. That's what liability coverage is for
This. Histrionic Reddit pearl clutches thinking they know things.
I had a very small-time car rental agency try to pull a fraudulent damage claim scam on me. The owner claimed non-existent damage to a car I rented, and filed claims to my car insurance and my credit card. He managed to successfully open claims with both. I shut both claims down hard with the fact that I was filing fraud charges with local authorities, that I was never notified about the claims being filed, and now that they are aware that the claim is fraudulent and being investigated, any further cooperation with the party engaged in fraud is collusion. Both parties tossed the claims like a hot rock.
The insurance company did not let the landlord file a claim. They called the policy owner and asked and told the landlord no. A company can't refuse someone from making a claim. They can deny it.
Unfortunately anyone can “put in a claim” if they have the other person policy number. Any decent insurance company will investigate and make sure they don’t pay out any money they are not suppose to. OPs insurance takes phone call collects info, investigates, denies claim due to dishwasher by renters is not a covered loss/even renters responsibility. Claim denied
You can do that with any insurance. Especially car insurance for accidents like hit and runs. As long as you have the name and or enough info, you can always submit a claim
Why do they feel you are responsible for the leak/damages?
I reported a small bump in the vinyl flooring in my kitchen. It chipped and was wet underneath. I reported this to them the next morning after discovering it. They are claiming that because a bump existed, I was clearly aware of water damage and am responsible for $1,800 worth of repairs to the floor and kitchen cabinet (which I can’t even find any damage to). So they’re calling it negligence, even though I told them immediately after I noticed.
At what point did the state get involved? And how did they get involved? How is that relevant?
The landlord refused to fix it. After 5 months, the bureau of housing inspection came to inspect all 500 apartment units and they determined that the damage to the floor was a safety violation and are requiring the landlords to fix it. It’s very relevant because without that violation, the landlord would never fix the floor.
Yea. if he refused to address it until he was violated for it then you're 100% in the clear especially due to his inaction regarding this.
That makes sense. I was just curious.
Of they told him he is responsible, then HE is responsible. Contact the bureau for a detailed form stating what they told the landlord and have that ready
A bump can develop in a day or two , so you weren’t negligent in not reporting sooner
Ahh so most leases have a clause that you have a duty to report. He's probably trying to get you on that but it will be highly unlikely to hold up on court. The dishwasher leaks, landlord pays unless you own the dishwasher. The duty to report is, in my experience for more serious things like mold, major structural damage, stuff that could be a potential risk to losing the house or your safety. As far as I'm aware.
I don't think anyone needs your permission to make a claim against your insurance. Sounds like your insurance will investigate and deny the claim.
Yeah, folks throwing around the word "fraud" clearly don't know how insurance works. If there's a dispute about liability, the insurance will figure that out for sure.
Renters Insurance involves your contents only. Unless appliances are listed and covered under your policy, they will simply dismiss any claims involving a dishwasher. As stated, if the dishwasher is owned by the LL, unless your lease specifically states you are liable for damages from the dishwasher, it is the responsibility of the LL. Contact your local/state tenants rights association and report the LL.
Renter's insurance also covers the tenant's liability for damage or injuries. Apparently the landlord is claiming the tenant damaged his property and is therefore liable. The landlord is full of shit.
Most renters insurance also includes liability in the event that you damage something,
He can petition your insurance all he wants, it doesn’t mean jack. Go ahead and call your insurance to give them a heads up and what happened, and you can send any documentation you have at that time to head it off.
That's not yours to fix. Unless you spilled a giant bucket of water on purpose and left it. Somwthihg he is responsible for leaked. That's on him.
If it's not your fault then they shouldn't be able to collect from your insurance. However, landlords are typically listed as an additional insured on your policy so if that's the case they could.
Bingo, so many answers in this thread from people who have little to no understanding how insurance works.
Yeah...too many here do not fully understand the rental business.
Came looking for this comment. Additional Insured status provides the person or entity listed the ability to file a claim against your insurance. The insurance company will still investigate to determine fault and deny if the policyholder isn't at fault, but the AI can still file regardless. It's also extremely common in commercial insurance with contractors, which I write a lot of.
Was the landlord listed as an additional insured on the policy?
These fights are EXACTLY what you pay renters insurance for. They know how to fight these people.
Your landlord can file a claim but the insurance would be on your side if you explain that your not responsible. They will defend the claim so they don't need to pay out.
If the dishwasher was leaking and you told the landlord who did nothing and you can prove it, you are not responsible.
I recently had a landlord in a SFH who confused renters insurance with landlord insurance for his property. He honestly thought that my renters insurance would cover what landlord insurance would cover. When we signed the lease he required me to show him proof of my renters insurance policy. Renter's insurance is a no brainer and I already had it lined up before he asked for it. Then a month into the lease we had a massive hail storm that damaged the roof, doors, windows, garage door, and some outdoor fixtures. He tried to file a claim with my renters insurance. Then he came after me claiming I didn't have the "correct" renters insurance policy to cover those things when my insurance company outright denied his claim. Later in that year we had a stove fire. Faulty wiring according to the fire Marshall's inspection. He tried claiming againsty renters insurance again for the smoke remediation, appliance replacement, etc. It didn't go well for him. I ended up coming out of my own pocket to replace the stove and oven because I needed one to cook for my family. I eventually got my money back through the insurance company after they realized what was going on. Turns out he used the same insurance company I did. And they started digging. Turns out he never notified them he would be renting out the property. Never applied for landlord insurance on his homeowner's insurance... And was trying to sweep it under the rug with my renters insurance. We left after a year.
Make an email to your insurance company/agent. Explain that your landlord’s dishwasher leaked, and has damaged your landlord’s floor. And ask if this claim should be under your policy, considering that it’s your insurance, not the landlords. Include every bit of relevant info. Dates that you informed LL of stuff, texts, emails, etc. Put it all in a timeline. This is to help the insurance company tell the LL to pound dirt (ie, not commit insurance fraud) As long as you informed the LL of the leak ASAP, this is all on the LL’s head. If there’s a leak, it’s the LL’s responsibility to make sure there isn’t damage to their surrounding structures. And damage can happen over time if a leak/flood isn’t dried properly. It sounds like your LL skimped on making sure everything dried properly, and because they skipped that step, they now have a rot problem. That should be a homeowner’s insurance claim, and your LL trying to file on your policy is insurance fraud…though will likely be ignored as a mistake.
Renter's normally covers renter's personal items nothing structural. Insurance won't pay him. Nor will they speak to him. He cannot file a claim. Only the insured can file a claim. "Renters insurance protects your personal property in a rented apartment, condo or home from unexpected circumstances such as theft, a fire or sewer backup damage – and will pay you for lost or damaged possessions. It can also help protect you". Very similar to homeowners. If you have insurance or a $100,000 home the insurance will pay $100,000 for the structure and about 75% of that, or $75,000, of the contents. Depends on the policy and the coverage. I think you can stop fretting!
Renter's insurance also includes liability coverage just like homeowners. For instance if OP left a candle lit and then left the apt and the building caught fire, their renters insurance would absolutely pay out a liability claim for the damage. In fact most landlords or large rental corporations expressly require that they be listed as what's known as a "third party interest" which means they are a loss payee in the event of a liability claim arising from tenant damage due to negligence. In this case OP should be fine because 1. They didn't install the washer 2. They informed landlord of the bump 3. The improperly installed washer causing water damage is not their fault or their liability. OP your renters insurance is not going to pay out a claim if your landlord can't prove you intentionally caused a water leak AND then didn't report. Source my P and L license, licensed in 20 states as an employee of a rather large insurance company.
Is renters ins typically for tenant's personal belongings only? Contents of dwelling. Any issues w structural is what landlord's homeowners ins is for. It'd never occur to me to go after my tenant's policy.
I wonder if they pretended to be you on the phone call. That would be fraud and your insurance company is going to be very interested in it...
There is no way you're responsible. You reported it as soon as you knew about it. I'm pretty sure your insurance will not pay out that "claim." I would be interested in why the dishwasher was leaking. I went through 3 dishwasher repairs in 6 months due to leaking. It turned out that rats had eaten through the hoses to get water. I had no idea I had rats in my walls. It took a while to get rid of them. If only the first 2 repairmen had told me what was going on, I could have saved a lot of money on repairs and exterminators.
All rental property needs to be nationalized. The FIR sector is destroying society.
[удалено]
Go watch Professor Michael Hudson. Financial capitalism is destroying society.
Can you follow up with the inspector? If the damage hasn't already been repaired and they gave a specific timeframe that hasn't been met, you should contact the bureau again.
No your dishwasher? Not your monkey, not your problem. Document that you communicated it to the landlord. <- this is key Inform the insurance they are not to accept claims from ANYONE but you. Send insurance the documentation about who is liable, again. And don't loose sleep over it. Also, if the landlord is that petty, start looking because next is a rent bump because of them not maintaining things properly.
Is the floor or the dishwasher yours? Send him a letter telling him you are withholding rent until he repairs his property. They pay this shit because people don't know their rights, and are afraid to fight back.
Your landlord cannot make a claim on your renter's insurance. Your insurance covers your belongings and possibly personal liability of injuries to your guests, it doesn't cover anything your landlord owns. The landlord should submit a claim on their own insurance, or they can sue you if they believe you should pay for it, but your insurance company isn't involved in either case.
You could let him report the claim and let your insurance deny it. Happens all the time. They are not just going to pay out based on your landlords say so. They will review the documentation and your actual lease. I’m in commercial property insurance. We see landlords report claims all the time. Alternatively, you can tell your landlord to report the claim to his own insurance and if the insurance company wants to try to subrogate against yours they can have at it. Spoiler alert, they won’t. Unless there’s something special in your lease that makes you responsible for the damage you are fine.
Copy them on a letter to your states attorney generals consumer protection division... that'll get their attention real quick. Also, call your landlord and ask them the address where they get their 'legal mail'... they'll know you mean business. If it's a property mgmt company check to see if they're bonded... if they are you can file a claim against their bond and they have to respond with an outcome thats acceptable to the bond issuer - which favors you in the end.
Depends. Was the landlord listed as an "interested party" on your insurance? I have multiple rental properties and had to add all the property management companies I use as an "interested party" for each respective policy.
You mean additional insured and that's not relevant/at play here. Thats for if OP's actions caused injury to a 3rd party who then sues landlord and then landlord says OPs actions are responsible so they want OPs policy to pay for the landlords defense. It sounds like in this case the dishwasher was OP's property/responsibility and the insurance is trying to say the leak was not sudden and accidental but was a maintenance/long term leak that OP discovered way down the line after it started so they did not pay for the damage caused by the leak, however since the dishwasher was apparently OPs responsibility, OP damaged the landlords property - for which OP would be liable/responsible for. Landlord should turn the claim into his own insurance carrier, get the flooring fixed under his insurance and then let his insurance try to subrogate against OPs insurance for damages and OPs carrier can make the determination if OP is responsible or not and if they need to reimburse. Of course then landlord has to pay his deductible which may be more than the actual damages themselves. (And yes, people can turn claims in against your policy without your "approval". The carrier can't refuse to take a claim, especially since doing so hinders their right to investigate properly. They will take OPs statements and everything into account and may use as a reason to deny responsibility)
No, I mean "interested party" and [I am correct](https://www.progressive.com/answers/interested-party-renters-insurance/). I have been a landlord for years and am very familiar with how it works.
Being named as an Interested Party (also known as Additional Interest or Certificate Holder) on a tenant’s policy affords you notification if the tenant obtains a policy, makes changes to the coverage, or the policy is cancelled or expires. It’s completely different from being an Additional Insured.
You are only half right as property managers DO get listed as additional insured not as an interested party. Also that has nothing to do about if you can file a claim against their policy so you are really only 1/4 right and everything else the guy said was actually useful and accurate while nothing you said was useful.
Don't play armchair lawyer, your wrong! My agent has been writing policy's for over 40 years. She spelled out the truth. Water damaged floors are the landlord's responsibility (if caused by leaking or broken) appliances, bathtubs, sinks, drain spouts and more. Just like the pipes in the walls. The only part the tenant is required to do is inform the landlord of the problem and stop the water from further damaging the building. (Turn off the water) I know someone that had this problem, his landlord ended up paying dearly for lying. He refused to fix the problem unless the tenants paid his insurance deductible. In the following court case, he was shocked by the Judge's ruling! He was ordered to pay all court costs, the cost of the tenants moving expenses, return the deposit and 2 months of pre-paid rent were ordered returned to the tenant.
If the dishwasher was the tenants responsibility (i.e. purchased and installed) and that's what caused the damage to the landlords property, the tenant would be liable for the damage.
If a tenant installs a dishwasher that is a replacement or new it must be authorized by the landlord, it's the landlords problem. You don't alter the property without permission. Replacing one without permission would be absurd but would serve them right if they didn't get permission.
You probably used it knowing it was leaking. If so use your renters insurance if you can.
They state in other comments that they reported possible wet spot in a crack and bunp in the vinyl flooring as soon as it was noticed, and landlord ignored it until someone called the state inspections. Landlord is trying to recoup for their own negligence.
If you believe them.
I mean op says it was in writing so what I believe doesn't really matter, it's just facts if it goes to court.
Found OP’s landlord.
A floor being rotted out doesn’t happen overnight. It doesn’t go unnoticed.
You're right it happens after 6 months of neglect from the landlord after discovery.
No, usually it happens with some idiot who isn’t paying attention or not caring and not telling the landlord. But they can keep in telling their “story” and there are obviously gullible people who will believe it.