Responsibility for damages and how I can legally refute charges if they happen

[JackM678]

I've never seen a renter's policy that didn't have some property liability coverage.

They have insurance for the unit damages that covers their unit. You have to pay 15 dollars per month for that, but it is waived if you get a policy that covers your personal items and has them as an interested party, but it says nothing about covering the unit itself and most I looked at are only for personal property.

 

[adjusterjack]

I've never seen a renter's policy that didn't have some property liability coverage.

They have insurance for the unit damages that covers their unit. You have to pay 15 dollars per month for that, but it is waived if you get a policy that covers your personal items and has them as an interested party, but it says nothing about covering the unit itself and most I looked at are only for personal property.

The HO-4 Renters Policy also known as Contents - Broad Form has two parts. Part 1 is Property. Part 2 is Liability.

The Property part covers the insured's personal property. Ergo, no building/unit/structure coverage.

The Liability part covers the insured for injury to people or animals and damage to the property of others due to his negligence. Anyone making a claim against the insured has the burden of proving that the insured was negligent. Of course, if he's not negligent (at fault) the insurance wouldn't pay

As I mentioned earlier there is no liability coverage for damage to the dwelling unit rented to the insured unless his negligence causes a fire, smoke or explosion.

If his negligence caused the water damage to the unit, his policy has no coverage. He would have to pay for it himself. If he was not negligent, he would not be liable for payment, the unit owner's policy would have to pay for it because the HO-6 Condominium Unitowner's Policy Property section covers the interior parts of the unit structure that are not defined by the CC&Rs as "common elements."

Any other questions involving insurance, feel free to ask.

 

[FarmerJ]

Jmack in some states they may have written into law a action taken by the LL to not renew might be addressed by state law , in my state action by a landlord taken less than 90 days after a incident can be considered retaliatory. SO its all up to your state if they defined retaliatatory acts

 

[quincy]

Isn't it illegal to not renew a lease for retaliatory reasons?

Here is a link to information provided by the Texas Law Help Organization on landlord retaliation against tenants:

https://texaslawhelp.org/article/landlord-retaliation-against-tenants

 

[JackM678]

They still haven't even sent anyone to do the repairs. I put in requests, leave voicemails, and emails, and they have not been answering me or any of my neighbors here either. If they say they are gonna charge me for the repairs, my first plan was to tell them to come after me for it in court, and the 2nd was to tell them to take it from the security deposit, and we'll settle it in court after I move out if they decide not to give it back still.

My other option was just going up to the office, ( remainder inappropriate and removed my mod).

 

[Just Blue]

They still haven't even sent anyone to do the repairs. I put in requests, leave voicemails, and emails, and they have not been answering me or any of my neighbors here either. If they say they are gonna charge me for the repairs, my first plan was to tell them to come after me for it in court, and the 2nd was to tell them to take it from the security deposit, and we'll settle it in court after I move out if they decide not to give it back still.

My other option was just going up to the office, (remainder inappropriate and removed by mod).

Yeah...in Texas that would be a great way to get shot.

BTW: Your language violates the TOS of this site. Use grown up words not potty talk.