Who is responsible for repairs after a rental house fire?
August 16, 2012 9:02 AM Subscribe
Asking for a friend- Who is responsible for the cost of repairs after a house fire? I am renting the house. I have renters insurance. The fire report said no negligence on my part. I'm located in California.
posted by Secretariat to law & government (31 answers total)
Fire. So the landlord assessed the fire damage, and said that I am 100% responsible for fixing the damage with a licensed contractor.
I asked if the owners had fire insurance and if it would be an option for me to pay the deductible and have the insurance take care of it, and he advised me that this would happen: the insurance would charge 5 times the amount that a regular contractor would charge to fix the product (believable), then sue me for that cost after they had fixed it (also believable, knowing insurance). Even though the fire report said that there was no negligence on my part, the landlord said that the insurance company would find loopholes in their contract in order to recover their money from me.
Advice anyone? I am already trying to get the insurance company information so that I can talk to them about it, and be better informed about my options. Anyone know anything about how house insurance works?