Apartment burned in fire

[mallard_q]

What is the name of your state (only U.S. law)? IL
There was a fire in my apartment and the whole building was burned. I was severly injured too. Investigation is still ongoing and cause of fire is undetermined. I received a letter from my Apartment management insurance company mentioning that the losses are estimated to be at $0.5 Million and they asked to forward that letter to my insurance company. I don't have renter's insurance. Do I need to do anything with that letter? Is there any chance that I'll end up paying $0.5 Million?

 

[JETX]

Do I need to do anything with that letter? Is there any chance that I'll end up paying $0.5 Million?

Save the letter, you may need it. And yes, if the fire is found to have been caused by your negligence or malicious conduct, you COULD be liable for the damages.

 

[ecmst12]

Even if it's not found to be your fault, there's still all your stuff that you'll have to replace. Should have had insurance. Get it now.

 

[JETX]

Get it now.

Some people might believe your 'get it now' would help for the PAST problem. It won't.

 

[cyjeff]

Some people might believe your 'get it now' would help for the PAST problem. It won't.

Yeah, that ship has sailed.

 

[ecmst12]

Of course nothing will help the past. Getting insurance now will help the FUTURE. Better late then never, right?