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Old 06-20-2013, 03:30 PM
 
2 posts, read 5,896 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, 03:43 PM
 
11,244 posts, read 13,386,944 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, 03:43 PM
 
7,746 posts, read 14,995,899 times
Reputation: 9335
This is why you have renters insurance, call your agent and file your claim.
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Old 06-20-2013, 04:49 PM
 
2 posts, read 5,896 times
Reputation: 11
Thanks for the advice. I called the insurance and filed my claim.
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Old 06-21-2013, 01:15 AM
 
17,751 posts, read 20,243,688 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, 06:18 PM
 
Location: Back in Santa Clara County - Yay!
13,350 posts, read 15,928,729 times
Reputation: 21754
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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Old Yesterday, 11:23 AM
 
1 posts, read 37 times
Reputation: 10
I do not have renters insurance. After the hurricane my apartment complex had a contractor come and replace the roofs, they did something wrong by my closet which caused a leak ( I did not know) the stuff in my closet all got mildew/ mold ... I lost at least 1000$ worth of belongings... who is responsible for paying me the lost damages
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Old Yesterday, 12:02 PM
 
Location: Back in the Mitten. Formerly NC
3,078 posts, read 3,911,585 times
Reputation: 3545
You are. That is why you should get renter's insurance. It is usually very cheap- like $20 a month.
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Old Today, 05:16 AM
 
7,746 posts, read 14,995,899 times
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Quote:
Originally Posted by Kaydee38 View Post
I do not have renters insurance. After the hurricane my apartment complex had a contractor come and replace the roofs, they did something wrong by my closet which caused a leak ( I did not know) the stuff in my closet all got mildew/ mold ... I lost at least 1000$ worth of belongings... who is responsible for paying me the lost damages
You're responsible for paying for your own belongings since you chose not to have renter's insurance.
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Old Today, 02:29 PM
 
Location: Lower East Side, NYC
862 posts, read 544,951 times
Reputation: 469
Seems silly not to get renters insurance, $13.5/mo in NYC of all places. A drop in the bucket for peace of mind.
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