help_dan_out
Junior Member
What is the name of your state (only U.S. law)? Hawaii
Aloha folks!
Today I came home from a hard day of working.
My kitchen counter was a giant puddle with my Macbook Pro right in the middle. I also had a $500 laser measuring tool right next to it, that is also fried. Water was dripping through the light fixture. The toilet in an apartment two floors above me had a tube in it's tank pop off.
The person who lives there is an owner-occupant, and I rent. I don't have renters insurance. She has Allstate homeowners insurance. She called them and started a claim, and was given a claim number, which I called and verified.
She fully admitted it was her fault, and that she had recently changed the toilet floater, and obviously done it wrong.
When I called Allstate, I just got the overwhelming feeling from the representative I was going to get a bunch of run around and no money from them.
Do I have to wait for her insurance claim to be filed and all that other nonsense, or can I just start suing the owner directly tomorrow?
That computer was loaded with software and $2300 to begin with. I bet it's worth 5 grand all together. Not having it, and the measuring tool makes it impossible for me to do my job. I don't have time to deal with nonsense I know is going nowhere.
Can you fine folks please give a Hawaiian some advice?
Why do I have to mess with insurance companies at all, when I can just go after the owner???
ALOHA!!!
Aloha folks!
Today I came home from a hard day of working.
My kitchen counter was a giant puddle with my Macbook Pro right in the middle. I also had a $500 laser measuring tool right next to it, that is also fried. Water was dripping through the light fixture. The toilet in an apartment two floors above me had a tube in it's tank pop off.
The person who lives there is an owner-occupant, and I rent. I don't have renters insurance. She has Allstate homeowners insurance. She called them and started a claim, and was given a claim number, which I called and verified.
She fully admitted it was her fault, and that she had recently changed the toilet floater, and obviously done it wrong.
When I called Allstate, I just got the overwhelming feeling from the representative I was going to get a bunch of run around and no money from them.
Do I have to wait for her insurance claim to be filed and all that other nonsense, or can I just start suing the owner directly tomorrow?
That computer was loaded with software and $2300 to begin with. I bet it's worth 5 grand all together. Not having it, and the measuring tool makes it impossible for me to do my job. I don't have time to deal with nonsense I know is going nowhere.
Can you fine folks please give a Hawaiian some advice?
Why do I have to mess with insurance companies at all, when I can just go after the owner???
ALOHA!!!