My new signature:
Originally Posted by arazi
I'll take you on one-to-one in a volcabulary test anywhere, anyplace, anytime.
I do know the vandals could have been sued if caught. Man do I wish I heard the smashing so I could have gotten their license plate number!
Makes sense. It is the difference between opting for insurance that has a coverage policy, and what is required by the law. It just works in the landlords favor if the renter opts to have such insurance.
the fact that in cvilles situation that the tenants insurance paid the request fo payment does not mean that is what is required. It simply means that they paid the bill.
and you you ask a county cop about liability laws? Ya, I can see you getting the straight and correct answer there alright...NOT. The fact they did pay does not mean they were required to. Renters insurance cover the renters property and if they purchase it, the renters liabilities surrounding the property. This in no way makes them resposible for a 3rd party action on the builiding.I was actually alerted to this possibility several years ago when discussing an incident police report with a county police officer. Since I have never seen a newer renter's insurance policy, it never occurred to me that the tenant's coverage would pay. I cleaned up a property after an "egging" sent the bill to the tenant and the tenant's insurance paid/reimbursed me....sorry guys.
again, that does not mean they were required to pay it. I have no idea what the claim reported. It may have been worded so the insurance company understood the damage to be the renters liability so they paid it. They may have paid it as a mistake. Who knows?Frankly, a $200 claim on an owner's policy is not worth it so paying it out of pocket was our option untill I suggested the tenant submit to their insurance which worked.
You're right. Unless the tenants did something to cause the action they are not liable in either case.The tenant knowing or not knowing the vandals is not a issue.
I can see a great scam happening with this one. The house burns down, sue the tenant 'cuz cville says they are liable.
I guess simply "knowing" the vandals is not so much the point, because you could "know" an enemy who vandals your home.
What I've been told is that if people are invited into the home, and cause damage, the tenants must pay for it by law. So if you invite a door-to-door salesman in, you don't "know" him....but if he spills chemicals on your rug, you pay for it.
Same with party guests bringing a friend who you don't know.
I'm pretty sure everyone else knew what I meant by that.