Renter's insurance Question

[majj]

What is the name of your state?
Iowa.

To be brief. Our apartment was having it's roof worked on, when an overnight storm collapsed part of the cieling in almost every room. It turns out the workmen had neglected to cover the holes they had made to protect against rain. Our damages from both water and chunks of soggy/wet plaster and insulation are rather sizable. Should the contractor and /or subcontractor be held reposnsible for the costs of replacing the belongings int he two rooms we weren't able to clear out?

If they dispute the claim we're making to them, what recourses should my wife and I pursue?

Thank you,

Jeff M.

 

[CIAA]

We are not attorneys and don't give legal advise. However, it would seem that:

The contractors would be liable if negligence can be proved, and

Your landlord may be liable if he didn't properly oversee the work, and finally

If no negligence, then if you have renter's insurance the claim may be covered and even if they were negligent you may be able to file a claim and have your insurance company subrogate against the negligent parties.