Who's legally liable for a house fire?
January 21, 2009 10:24 AM Subscribe
My friend rents a house. The house burned last week. My friend has renter's insurance (probably not enough) and the landlord has homeowner's insurance (only $30k - definitely not enough). The fire inspector just announced that my friend's electric mattress pad shorted and caused the fire. Is the landlord's insurance company going to come after my friend?
posted by workerant to Home & Garden (2 answers total)
The details: No one was home at the time of the fire, and there were no injuries. The living quarters are completely destroyed but the semi-subterranean garage is wet but okay, as are most of the roughly $75,000 worth of tools in it.
The house will be bulldozed once my friend finishes clearing his surviving stuff out, so we should consider the house a total loss. The fire was not caused by any negligence; it was one of those random electrical fires.
I realize that if any lawyers answer this question, you are not my lawyer, etc. This is my first experience with a house fire, but my other experiences with insurance companies have not been positive. Is the landlord's insurance company likely to come after my friend in some sort of subrogation claim?