Comments on: What if fire destroys my building?

By: Anonymous

Anonymous — Fri, 22 Feb 2013 07:00:05 +0000

Unfortunately, not a lot of renters have insurance policies. Be more careful about who you rent to landlords.

By: Anonymous

Anonymous — Fri, 22 Feb 2013 01:40:04 +0000

Thank you for this article. It is packed with information,

By: Anonymous

Anonymous — Thu, 21 Feb 2013 20:20:04 +0000

Both landlords and tenants need to be careful when handling things that could start a fire. Insurance agencies will always go after who’s at fault so there is no running away.

By: Anonymous

Anonymous — Thu, 21 Feb 2013 15:00:04 +0000

I was frying fish and left if there for sometime and it caught fire. I thought the landlord’s insurance would pay for the damage but I was wrong. His insurance agency came after me and because it was about 100 thousand in damages, I had to file for bankruptcy.

By: Anonymous

Anonymous — Thu, 21 Feb 2013 09:40:04 +0000

Yes, a renter’s insurance really is important. My previous apartment got caught in a fire and if I didn’t have renter’s insurance, I wouldn’t know where to start again. The renter’s insurance took care of my personal belongings and even for a replacement apartment.

By: Anonymous

Anonymous — Thu, 21 Feb 2013 04:20:05 +0000

Even if most of these would show that the landlord will be losing a lot, the tables could turn if it was found out that it was your fault. That is why it is best to have renter’s insurance at all times. That way, you would have a means to pay for all the costs the landlord has incurred and at times, including the insurance deductible and future increase because of what happened.

By: Anonymous

Anonymous — Wed, 20 Feb 2013 23:00:05 +0000

Most lease agreements would automatically terminate if the apartment complex is “no longer there”, meaning if it’s been destroyed beyond repair. In these leases, the owner may be liable to return a portion of rent and the security deposit. Yes, it’s not looking really well for the landlord but that’s how business goes.

By: Anonymous

Anonymous — Wed, 20 Feb 2013 17:40:06 +0000

For tenants, they will be getting a lot of help from other organizations and the government as they find a temporary housing. If they have renter’s insurance, that’s great but if they don’t have any, they might need to ask their friends and family for help.

By: Anonymous

Anonymous — Wed, 20 Feb 2013 12:20:04 +0000

In the event of these emergencies and you are not around, it’s a somewhat soothing thought to know that your landlord has a key to your apartment. At least he can let your pets out or maybe help move some of your things if there is still enough time.

By: Anonymous

Anonymous — Wed, 20 Feb 2013 07:00:06 +0000

I hope this article acts like a fitting reminder to all those who try to ask their landlords to pay for the personal belongings. It’s not the landlord’s fault the fire happened. Besides, the landlord will already be spending a fortune to have the building repaired after the fire. So you cannot expect him to respond to your other requests.