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Fire & Water - Cleanup & Restoration

FLOODING - Who is responsible if you are renting?

10/17/2019 (Permalink)

flooded hallway If you suffer from a loss call SERVPRO 818-881-3636

Flood Insurance - 

Flood insurance is not commonly included in a standard property policy.  You have to add it. Neither is it standard in a renters policy. The insurance can be purchased as a separate policy that requires a waiting period of 30 days before coverage begins.

 Landlord's Responsibility - 

Landlords are usually responsible for insurance for the property itself. Property protection commonly includes:

  • Structural damage 
  • Appliance replacement
  • Fixed Fixtures
  • Pipes and things inside the wall
  • Restoration to the structure by qualified specialists

Responsibility of Tenants - 

The tenants are commonly responsible for an insurance policy that covers personal possessions. If a flood is covered, the renter’s coverage can also include:

  • Paid temporary relocation in a comparable home 
  • General living expenses like food and clothing
  • Replacement of personal items affected by the loss

Unusual Circumstances - 

Often times landlords are not responsible for the tenant’s property.  However, If the property owner is responsible through neglect or irresponsibility, the tenant may have a legal case against the landlord for damages incurred and pursue restitution.

For more tips or if you have questions call SERVPRO of Tarzana/Reseda anytime. 818-881-3636

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