Archive for March, 2008

HELP! My renters insurance does not cover?

jwill0116 asked:

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.

Landlord’s responsibility?

candysw33tz asked:

I live in the state of New York (Upstate)…I live in a apartment. Which is a house with 2 apartment, one upstairs one down stairs. There is only one entrance to get into the apartments…which is also your exit as well. But before you can enter the apartment…You have to go on the porch. The porch used to have two post/banister. One of them has been broken for many months. And the owner/landlord haven’t fix it yet, he just laid it alongside of the porch. I understand he has lot of iron in the fire (other things to do) such as take care of the other houses and apartments he has. Because I know he owns a lot of buildings and stuff. But it would only take 10-15 of his time to fix. A few mornings ago. I was coming down the steps, and happened to slip on some ice/snow. I could of have some support if the post/banister was there, but which it wasn’t, and in result of that. I broke my arm. Is that my fault. Would that be the landlord responsibility to fix that or was that the tenants responsibility ? These are listed in the rental agreement

Tenant Responsibility: Good housekeeping is expected of everyone. Tenant agrees to keep quarters clean and in a sanitary condition. The tenants agree not to permit any deterioration or destruction to occur while they are occupying the property. They agree to maintain the walls, woodworks, floors, furnishings, fixtures and appliances, windows, screens, doors, plumbing and heating fixtures, as well as the general structure and appearance of the property.

Tenant To maintain Dwelling Unit:
1.) Comply with all obligations primarily imposed upon tenants by applicable provisions of building codes materially affecting health and safety.
2.)Keep that part of the premises that he occupies and uses as clean and safe as the condition of the premises permit.
3.) Dispose from this dwelling unit all ashes, rubbish, garbage, and other waste in a clean and safe manner. No items are to be placed on the front porches without permission by the Landlord.
4.) Keep all plumbing fixtures in the dwelling unit or used by the tenant as clean as their condition permits.
5.)Use in a reasonable manner all electrical, plumbing, sanitary, heating, ventilating, other facilities and appliances in the premises.
6.) not deliberately or negligently destroy, deface, damage, impair, or remove any part of the premises or knowingly permit any person to do so.
7.) Conduct himself and require other persons on the premises with his consent to conduct themselves in a manner that will not disturb his neighbor’s peaceful enjoyment of the premises.

Residents warrants that he/she will meet above conditions in every respect, and acknowledges that failure to perform the obligations herein stipulated will be considered ground for termination of this agreement and loss of the deposits.

Alterations: Tenants shall make no alterations, decorations, additions or improvement in or to the premises without landlords’ prior written consent.

Waiver: All rights given to Landlord by this agreement shall be cumulative in addition to any laws which exist or might come into being. Any exercise of any rights by Landlord or failure to exercise any rights shall not act as wavier of those or any other rights. No statement or promise by Landlord, its agents or employees, as tenancy, repairs, amount of rent to be paid, or other terms and conditions shall be binding unless it is put in writing and made a specific part of this agreement.

Could You explain to me if he would still be responsible for my fall and injury? In “Tenants Responsibility” it says “woodworks” does that mean the porch too since it is made out of wood? Does this means that the fall and injury is my fault?

Landlord’s responsibility?

candysw33tz asked:

I live in the state of New York (Upstate)…I live in a apartment. Which is a house with 2 apartment, one upstairs one down stairs. There is only one entrance to get into the apartments…which is also your exit as well. But before you can enter the apartment…You have to go on the porch. The porch used to have two post/banister. One of them has been broken for many months. And the owner/landlord haven’t fix it yet, he just laid it alongside of the porch. I understand he has lot of iron in the fire (other things to do) such as take care of the other houses and apartments he has. Because I know he owns a lot of buildings and stuff. But it would only take 10-15 of his time to fix. A few mornings ago. I was coming down the steps, and happened to slip on some ice/snow. I could of have some support if the post/banister was there, but which it wasn’t, and in result of that. I broke my arm. Is that my fault. Would that be the landlord responsibility to fix that or was that the tenants responsibility ? These are listed in the rental agreement

Tenant Responsibility: Good housekeeping is expected of everyone. Tenant agrees to keep quarters clean and in a sanitary condition. The tenants agree not to permit any deterioration or destruction to occur while they are occupying the property. They agree to maintain the walls, woodworks, floors, furnishings, fixtures and appliances, windows, screens, doors, plumbing and heating fixtures, as well as the general structure and appearance of the property.

Tenant To maintain Dwelling Unit:
1.) Comply with all obligations primarily imposed upon tenants by applicable provisions of building codes materially affecting health and safety.
2.)Keep that part of the premises that he occupies and uses as clean and safe as the condition of the premises permit.
3.) Dispose from this dwelling unit all ashes, rubbish, garbage, and other waste in a clean and safe manner. No items are to be placed on the front porches without permission by the Landlord.
4.) Keep all plumbing fixtures in the dwelling unit or used by the tenant as clean as their condition permits.
5.)Use in a reasonable manner all electrical, plumbing, sanitary, heating, ventilating, other facilities and appliances in the premises.
6.) not deliberately or negligently destroy, deface, damage, impair, or remove any part of the premises or knowingly permit any person to do so.
7.) Conduct himself and require other persons on the premises with his consent to conduct themselves in a manner that will not disturb his neighbor’s peaceful enjoyment of the premises.

Residents warrants that he/she will meet above conditions in every respect, and acknowledges that failure to perform the obligations herein stipulated will be considered ground for termination of this agreement and loss of the deposits.

Alterations: Tenants shall make no alterations, decorations, additions or improvement in or to the premises without landlords’ prior written consent.

Waiver: All rights given to Landlord by this agreement shall be cumulative in addition to any laws which exist or might come into being. Any exercise of any rights by Landlord or failure to exercise any rights shall not act as wavier of those or any other rights. No statement or promise by Landlord, its agents or employees, as tenancy, repairs, amount of rent to be paid, or other terms and conditions shall be binding unless it is put in writing and made a specific part of this agreement.

Could You explain to me if he would still be responsible for my fall and injury? In “Tenants Responsibility” it says “woodworks” does that mean the porch too since it is made out of wood? Does this means that the fall and injury is my fault?

xantheh asked:

I have accidently cracked/smashed one door on a unit in my fitted kitchen. Its a new modern kitchen fitted in last 2 – 3 years from MFI. have been to the store to purchase and replace the single door but they have discontinued this particular line? Can i claim for whole new set of doors on my home insurance? (i do have accidental damage cover)

Prettywoman asked:

My friend is having trouble getting her plumber to sign the warranty for the new boiler he just put in and everyone is telling her not to pay him until he’s signed it. She gave it to him to sign, and he gave it back to her folded up but when she looked at it after he’d gone, he still hadn’t signed it, just filled in his name and address at the top of the form. He’s a Type A plumber i.e. angry all the time, and she’s nervous.

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