• FreeAdvice has a new Terms of Service and Privacy Policy, effective May 25, 2018.
    By continuing to use this site, you are consenting to our Terms of Service and use of cookies.

Help: Who is liable?

Accident - Bankruptcy - Criminal Law / DUI - Business - Consumer - Employment - Family - Immigration - Real Estate - Tax - Traffic - Wills   Please click a topic or scroll down for more.

lemaysanch

Junior Member
Hello, I live in Miami-FL and this is what happened:

I own a unit on the 11th floor of a 16 story building just built in 2006. Last weekend, after a huge amount of rain, I woke up to find the whole floor from my apartment damaged by water. I advised the association manager and she sent and inspector specialized in water damaged who demanded that remove the laminate flooring within 72 hrs to avoid mold complications. Therefore, I had to remove it completly myself and I am currently floor-less. The plumbing company who did the whole plumbing for building think that there was an accident with the pipes coming from the roof of the building, the ones that are supposed to drain water when it rains too much. The plumbing company still isn't too sure on what happened, they are still doing tests.

It might be that the plumbing company didn't do something correctly when they installed the pipes, or that there is leak somewhere in the building some stories on top of me caused a neighboor. Other units along the same line of the building were damaged as well, although not as severe because they had carpets, not laminate flooring.

I DON"T HAVE homeowners insurance for the "contents" of my apartment. ( I am in the process of getting it next week)

If I am not at fault for what happened, can I demand anyone to pay for the damages caused to my unit (Around $4000 for the floor?), even if I don't have insurance myself?

Let me know if you can offer any friendly advise.
 


justalayman

Senior Member
If I am not at fault for what happened, can I demand anyone to pay for the damages caused to my unit (Around $4000 for the floor?), even if I don't have insurance myself?
sure. when you figure out who is to blame, go get 'em.
 

uswcdh44

Member
Even if you did have insurance, 99% of carriers would not covera such a loss. rain water is only covered if it enters through a wind created opening, like a hole in the roof. you should file a liability claim against the association. the insurnace companies will hash it out, but ultimately, it is their property that failed, damaging your building property.
 

Find the Right Lawyer for Your Legal Issue!

Fast, Free, and Confidential
data-ad-format="auto">
Top