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Old 04-16-2017, 06:00 AM   #1
Canady6
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Default Renter's insurance and flooded wood floors

I have renters insurance and I accidentally left the water running in the bathroom, it backed up and and that flooded the wood floors eventually.
Is that going to be covered?
Legally who is responsible to repair those floor? Who comes and does the work?

New York
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Old 04-16-2017, 12:32 PM   #2
adjusterjack
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Default Re: Renter's insurance and flooded wood floors

Quote:
Originally Posted by Canady6 View Post
I have renters insurance and I accidentally left the water running in the bathroom, it backed up and and that flooded the wood floors eventually.
Is that going to be covered?
Your negligence caused the damage. That would normally be addressed by your Liability section. Unfortunately, the standard renters policy has the following exclusion:

Quote:
"Property damage" to property rented to, occupied or used by or in the care of an "insured". This exclusion does not apply to "property damage" caused by fire, smoke or explosion;

Read your policy. If it has that exclusion then you are on your own.


Quote:
Originally Posted by Canady6 View Post

Legally who is responsible to repair those floor? Who comes and does the work?
You are responsible for paying for the repairs but it is the owner of the building (your landlord) who is the one to arrange to have the repairs done.

You have a few options:

1 - If the damage is minor, hire somebody to repair the floor and pay for it.

2 - If the damage is great, notify the landlord. Get an estimate first.

3 - If your policy doesn't have that exclusion, call your insurance company so an adjuster can come out and inspect the damage and deal with the landlord about the repair cost.
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Old 04-16-2017, 04:20 PM   #3
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Default Re: Renter's insurance and flooded wood floors

Your negligence caused the damage. That would normally be addressed by your Liability section. Unfortunately, the standard renters policy has the following exclusion:

Quote:
"Property damage" to property rented to, occupied or used by or in the care of an "insured". This exclusion does not apply to "property damage" caused by fire, smoke or explosion;





What dos fire, smoke or explosion have to do with it??
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Old 04-16-2017, 06:37 PM   #4
adjusterjack
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Default Re: Renter's insurance and flooded wood floors

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Originally Posted by Unregistered View Post

What dos fire, smoke or explosion have to do with it??
It doesn't.

It's how insurance policies are written to exclude some things but not every thing.
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Old 04-16-2017, 07:15 PM   #5
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Default Re: Renter's insurance and flooded wood floors

I dont follow what you are saying.
You said unfortunately it contains this exclusion....etc etc


Why is that unfortunate?
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Old 04-16-2017, 08:51 PM   #6
adjusterjack
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Default Re: Renter's insurance and flooded wood floors

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Originally Posted by Unregistered View Post
I dont follow what you are saying.
You said unfortunately it contains this exclusion....etc etc


Why is that unfortunate?
Because the part of the exclusion that applies to the negligent damage to the floor means that the poster will pay for the repairs by himself and the insurance company won't.
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Old 04-17-2017, 07:58 AM   #7
Lexus
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Default Re: Renter's insurance and flooded wood floors

Renters insurance is meant to cover the damage caused by negligence of the tenant. In this case if you need a speedy repair it is better to initiate steps yourself rather than putting the responsibility over the landlord. As you are covered by the insurance you can claim all the expenses through insurance.
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Old 04-17-2017, 12:07 PM   #8
adjusterjack
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Default Re: Renter's insurance and flooded wood floors

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As you are covered by the insurance you can claim all the expenses through insurance.
Do you have some issues with reading comprehension?

I quoted the policy provision that says the negligent water damage to the floor is not covered by the renter's liability insurance.
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Old 04-18-2017, 08:17 AM   #9
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Default Re: Renter's insurance and flooded wood floors

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Do you have some issues with reading comprehension?

I quoted the policy provision that says the negligent water damage to the floor is not covered by the renter's liability insurance.


The part you quoted seems to say nothing about water damage??
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Old 04-18-2017, 12:23 PM   #10
adjusterjack
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Default Re: Renter's insurance and flooded wood floors

Quote:
Originally Posted by Unregistered View Post
The part you quoted seems to say nothing about water damage??
Let's try it again.

Quote:
"Property damage" to property rented to, occupied or used by or in the care of an "insured". This exclusion does not apply to "property damage" caused by fire, smoke or explosion;
"Property damage" means ALL property damage.

The floor is "property." It's part of the "property" rented to, occupied or used by or in the care of an insured. It is damaged.

The provision excludes all such property damage EXCEPT damage caused by fire, smoke or explosion.

It doesn't have to specifically mention water damage nor does it have to mention any other type of damage since it says that the only damage covered is damage caused by fire, smoke or explosion.
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