What is the name of your state (only U.S. law)? New York
I let the bath run and caused damage to the wood flooring in my Manhattan co-op. The super said that if the wood tiles are too thin to be sanded and re-sealed and I therefore need a new floor, I would have to pay for the asbestos abatement because the wood is mine but the floor underneath is the co-op's. I have $10,000 insurance for my property and $300,000 of coverage for damages to others. Since the floor underneath apparently belongs to the co-op, would not my coverage for damage to someone else pay for the co-op's new floor including the asbestos abatement? (The adjuster is coming tomorrow morning to inspect.)
I let the bath run and caused damage to the wood flooring in my Manhattan co-op. The super said that if the wood tiles are too thin to be sanded and re-sealed and I therefore need a new floor, I would have to pay for the asbestos abatement because the wood is mine but the floor underneath is the co-op's. I have $10,000 insurance for my property and $300,000 of coverage for damages to others. Since the floor underneath apparently belongs to the co-op, would not my coverage for damage to someone else pay for the co-op's new floor including the asbestos abatement? (The adjuster is coming tomorrow morning to inspect.)