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Old 06-20-2013, 04:30 PM
 
2 posts, read 2,706 times
Reputation: 11

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Hi,
I live on the lower level of an apartment in Florida. The tenant who lives upstairs had a leaky A/C line that caused a lot of water damage and mold overgrowth in one of my closets. About $2000 in belongings were damaged. The apartment complex is currently cleaning up the mold, but what about my belongings? I do have renter's insurance, but I don't want to file a claim if the apartment is responsible for the damage. I gave the apartment complex a list of the damaged items with their values and pictures for documentation. They said they would send it to their corporate office, but stated that they will not likely reimburse me because it was a "freak accident". Am I out of line for asking them to pay for the damages? Please let me know your opinion. Thanks!
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Old 06-20-2013, 04:43 PM
 
5,343 posts, read 5,636,176 times
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File with your insurance company and give them all the details. They will go after the apartment complex for reimbursement. However, you will get your money from your insurance policy. The complex isn't going to do anything unless your insurance agency starts bugging them or your attorney contacts them.

They probably don't have experience in this and are clueless on who to proceed, at least from the local level. Maybe they have corporate offices that know how to proceed. But they'll likely do nothing unless forced.
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Old 06-20-2013, 04:43 PM
 
4,819 posts, read 6,372,371 times
Reputation: 4653
This is why you have renters insurance, call your agent and file your claim.
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Old 06-20-2013, 05:49 PM
 
2 posts, read 2,706 times
Reputation: 11
Thanks for the advice. I called the insurance and filed my claim.
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Old 06-21-2013, 02:15 AM
 
8,316 posts, read 6,893,902 times
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Your insurance company pays for the damage, not the landlord.

If it had been my clothes and belongings, I would have removed them from the closet while there was a leak and dried them and stored them elsewhere until the leak was fixed.
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Old 06-21-2013, 07:18 PM
Status: "Life is Good" (set 17 days ago)
 
Location: Still in a pile of boxes, but now in Del Norte County on the coast - wahoo!
7,118 posts, read 4,768,043 times
Reputation: 7043
My rental agreement states that LL is not responsible for tenant belongings, and highly suggests tenant gets insurance, but doesn't require it. Many LLs do require tenants to get insurance.
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