My mother has rented a house in NC for over 20 years from the same landlords. On Tuesday, she came home to find the house burned at a complete loss. Unfortunately, she had not obtained renters insurance, so her personal property was not covered. We have since learned that the cause of the fire was faulty wiring and in fact she had advised the landlord that the house had a wiring problem months ago when an electrician had come to repair an electrical plug for her. He told her at that time the wiring was bad in the house and he would not be surprised if it didn't catch on fire if it wasn't corrected. This is the info she relayed to the landlord. The landlord had even made a statement to her a month ago that the house would be worth much more to them burned that it is worth standing. Does she have any recourse against the landlords liability insurance to recover any of her loss? Also, she paid the rent through July at the 1st of the month, but the landlord is insisting that she recover whatever she is going to as they are getting a bulldozer in at once to clear the mess. Does she have any right to get the unused portion of her rent back? The landlord is being very rude during this tragedy and we do not understand why.