HELP! My renters insurance does not cover?
I was moving out of my apt. and while my boyfriend and a family member were disconnecting the wash machine from the hose, the plastic PVC water pipe burst and water went everywhere. I called the apt. office immed. to determine where the main water shut-off was located, but there was only one water shut-off for the entire bldg. and residents did not have access to it. I had to wait 25 mins. for emerg. maintenance to arrive to shut the water off. All the while, water is everywhere. The same day plumbers came onsite to repair the pipe and turn the water back on, but the plumber indicated that the piping was loose and brittle and the washer connection was not supported properly. The plumber said he would include his observ. on the invoice (I don’t have a copy) But, the mgmt co. says I am responsible for the damages. None of my property was damaged so my renters insurance will not cover any of the property damage. Should I seek legal counsel? Am I responsible for their faulty plumb
Per the Allstate investigator and my policy, unfortunately, renters insurance covers only the insured’s personal property, not the structure or dwelling.
Great advice! I have pictures! And I have the actual pipe that broke. I called to get the invoice, but the mgmt. co had not received it at the time I called so I am still working on that. I will contact an attorney tomorrow.
Tagged with: Burst • Family Member • Plumbers
Filed under: Renting & Real Estate
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no ma’am you are not, you need to get info from plumber, you are resposible for damage if your neglidgence caused it, not for faulty piping
Didn’t you have liability coverage on your renter’s insurance? That’s what this would fall under.
that should not matter pvc pipeing is banned from apt complex that i know of i would seek legal counsel
You need to have supporting documentation from the plumber in case the landlord sues you for damages. I would also check with your local code enforcement department to see if PVC pipe is acceptable in such an application.
First take a deep breath. I would write out exactly what happen and send the letter register mail to the management company. I would state that you are not responsible for this accident. I would also state that if they continue to pursue you financially — you will seek legal council. I would in the mean time get legal advice.
You should not be responsible for the damage if you can get him to put that information about faulty piping in his report and you can get a copy of that. If you get a copy of that you can prove that the damage is not fully your responsibility and also that they should have responded immediately to such an emergency. (apartment emergency or classified as flood, blood or fire.) I would definitly seek counsel or tell them you are going to. Alot of times you can email or call a local landlord tenant law and they will tell you what you can do and what rights you have. They may even give you the codes of the law and you can go back to the apartment complex and see what they say. I would also ask to speak to an owner (if it’s a smaller company) or a regional or area manager if it’s a larger company. AND IF YOU CAN TAKE PICTURES