Water Damage in Basement

[Denkins Louth]

What is the name of your state? Massachusetts

I am a tenant in a single family home and do not have renters insurance. My hot water heater broke and flooded my basement on two seperate occasions (the second time was a new water heater). Several of my possessions in storage were ruined due to mold and mildew. When I asked my landlord if his homeowners insurance covered the damage, he said, "no". Now, I have a leak in the foundation so every time it rains heavy I have a puddle in my basement which is still causing major mold/mildew damage. My question is: Can I put in a claim to my landlords insurance company to cover the prior and current damage?

This is not a "slum-lord" situation. My landlord happens to be one of the nicest people I've ever met. I'm just not sure if he's being entirely truthful, because he may be being influenced by another person.

 

[tammy8]

A landlord's policy DOES NOT cover the property of the renter. This is why you get renter's insurance...to cover your property.

 

[HomeGuru]

What is the name of your state? Massachusetts

I am a tenant in a single family home and do not have renters insurance. My hot water heater broke and flooded my basement on two seperate occasions (the second time was a new water heater). Several of my possessions in storage were ruined due to mold and mildew. When I asked my landlord if his homeowners insurance covered the damage, he said, "no". Now, I have a leak in the foundation so every time it rains heavy I have a puddle in my basement which is still causing major mold/mildew damage. My question is: Can I put in a claim to my landlords insurance company to cover the prior and current damage?

This is not a "slum-lord" situation. My landlord happens to be one of the nicest people I've ever met. I'm just not sure if he's being entirely truthful, because he may be being influenced by another person.

**A: read your L/T law.

 

[Denkins Louth]

Interesting tammy8, because my landlord's insurance company did say that we would be able to put in a claim if the water pipes burst. Why the policy does not cover water heaters bursting, I do not know.

I was hoping for some advice a bit better than "hey dope, you should have had renter's insurance". It looks like I'll have to research this one more on my own.

 

[tammy8]

Interesting tammy8, because my landlord's insurance company did say that we would be able to put in a claim if the water pipes burst. Why the policy does not cover water heaters bursting, I do not know.

I was hoping for some advice a bit better than "hey dope, you should have had renter's insurance". It looks like I'll have to research this one more on my own.

So the LL's insurance agent TOLD you that if the water pipes burst, it would cover YOUR property? Interesting as I am reading a LL's policy jacket right now and it exludes tenent's property.

 

[HomeGuru]

Interesting tammy8, because my landlord's insurance company did say that we would be able to put in a claim if the water pipes burst. Why the policy does not cover water heaters bursting, I do not know.

I was hoping for some advice a bit better than "hey dope, you should have had renter's insurance". It looks like I'll have to research this one more on my own.

**A: youu are totally wrong.