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Old 11-23-2013, 05:33 PM
 
71 posts, read 238,488 times
Reputation: 165

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Hi everyone,

I have a question. My apartment was burglarized, many things stolen, and damage was done two two windows (which need to be replaced) and most of the window screens. I began the claims process last week to cover the cost of my stolen belongings.

Today the landlord asked for a copy of my insurance policy to see whether it will cover the damage to the windows.

Don't they have their own insurance to cover structural damage to the building? I see no reason to give them information on my policy. It feels very shady.

Please advice.
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Old 11-23-2013, 06:07 PM
 
Location: Kansas City North
4,825 posts, read 8,239,405 times
Reputation: 8094
Call your agent and have them advise you. If your policy doesn't cover damage to the building, there's no reason to give policy info to landlord.

Sorry for your loss - happy you have insurance.
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Old 11-23-2013, 06:25 PM
 
71 posts, read 238,488 times
Reputation: 165
Quote:
Originally Posted by Okey Dokie View Post
Call your agent and have them advise you. If your policy doesn't cover damage to the building, there's no reason to give policy info to landlord.

Sorry for your loss - happy you have insurance.


I looked at my policy. It says it only causes damage to a building if I caused it (like set the place on fire or something).


Yes, very glad I have insurance!
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Old 11-24-2013, 12:13 PM
 
Location: North Idaho
25,246 posts, read 33,175,009 times
Reputation: 52061
You are responsible for replacing the windows and the screens, so you really should have added the broken window and damaged screen to your original claim and hoped it would be covered. Since you didn't make the claim, maybe the insurance company would allow you to add it now.

If your insurance does not cover it, you will pay out of your own pocket.

You received the place with all windows and all screens intact. You must return it that way at the end of your lease. The landlord didn't break the window, which is the only way that you would not be responsible for replacing them.
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Old 11-24-2013, 12:22 PM
 
Location: The Triad (NC)
31,171 posts, read 68,065,676 times
Reputation: 37019
Quote:
Originally Posted by abrokegal View Post
...damage was done two two windows
Today the landlord asked for a copy of my insurance policy
to see whether it will cover the damage to the windows.
Please advice.
Why the windows were broken (unless that was done by the landlord) doesn't matter.

Quote:
Don't they have their own insurance to cover structural damage to the building?
Of course... but a burglar breaking into YOUR apt isn't structural damage. Is it?

Quote:
I looked at my policy. It says it only causes damage to a building if I caused it
(like set the place on fire or something).
That is unfortunate. I'd ask someone else to read the clauses to confirm..
Broken windows are rather common... but their repair cost is usually well below a deductible.
That makes it a tough call to include.
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Old 11-24-2013, 12:42 PM
 
8,712 posts, read 10,877,230 times
Reputation: 16688
Quote:
Originally Posted by oregonwoodsmoke View Post

You received the place with all windows and all screens intact. You must return it that way at the end of your lease. The landlord didn't break the window, which is the only way that you would not be responsible for replacing them.
Not sure I agree with this. What if a tornado broke the windows? What if a neighbor shot out the windows? None of these situations seem to be the responsibility of a tenant. A tenant has rental insurance to cover their belongings and damage caused by them. A landlord has property insurance to cover damage to the property NOT caused by the tenant.
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Old 11-24-2013, 10:02 PM
 
Location: Riverside Ca
21,702 posts, read 24,191,176 times
Reputation: 34062
Renters insurance covers YOUR stuff
Rental property insurance covers HIS stuff.
Tell him he should have HIS insurance cover the damage. The burglar would of damaged the property regardless if you were there or the place was vacant. His problem not yours
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Old 11-24-2013, 10:27 PM
 
10,904 posts, read 14,596,447 times
Reputation: 16559
Standard Renter's Insurance covers your possessions and your liability. A burglary is a crime against property resulting in a loss to you. The property is owed by the landlord and thus is their responsibility unless you were involved in the burglary. Your landlord is aware that the standard renter's policies will not cover their loss, but they are hoping that maybe there is something in yours.

DO NOT give them your policy, just the declaration page. Better yet, contact your agent or carrier and ask them to furnish the requested info to the landlord. They will send only what they think they need, if anything. Let the insurance company handle this.
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Old 11-24-2013, 10:31 PM
 
35,106 posts, read 43,457,647 times
Reputation: 62261
I would not give the landlord a copy of anything.
Ask the landlord to put his request in writing and you will pass it along to
your insurance agent and/or attorney or both to see if what he is asking for
can and should be given to him legally.

Our landlord has insurance to cover damage to their property no matter what the reason and we have renters insurance to cover our property if it is damaged or stolen and one insurance policy has nothing to do with the other.
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Old 11-25-2013, 05:53 AM
 
1,226 posts, read 2,144,219 times
Reputation: 1864
Your insurance covers your personal property and liability. He needs to look to his for the building structure (is probably below the deductible..... not your problem). Its very simple and clear cut.
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