Rental loss coverage

[nhandd]

What is the name of your state (only U.S. law)? Washington

Recently, I made a water damage claim against my rental property that I own. Insurance is making repairs and it is taking about 2 weeks. My tenant sent me a letter asking for $400 credit out of $1800 lease due to the inconvenience of the repairs. They lost one bathroom and have to share a master bathroom with 3 other poeple. I have loss of rental and ask insurance to cover $400. Insurance says that is isn't covered because the property is habitable. It will only cover loss of rental when property becomes inhabitable. Looking online, I see inhabitable is when it's hazadous or unfit for living. Is the denied claim correct?

 

[ecmst12]

Yes and you should deny your tenant's request too. If the property is habitable (has functioning bathroom facilities available) then there is no reason they are owed a rent credit.

 

[moburkes]

You would receive the same answer if this was your own house and one of the bathrooms became unusable. You don't get a credit when you still have another bathroom to use, regardless of the location of the usable bathroom. This is part of living - things break and they need repair.

 

[uswcdh44]

The claim decision is right on. As long as there is running water, a place to go to the bathroom, and a bathing facility, the home is habitable. No lost rent is due.