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whose insurance pays: landlord's or tenant's

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siegi elliott

site: Oklahoma where the wind come blowing down the plain; patio roof blows/collapses down due to heavy storm and damages renter's patio swing and metal table
Landlord's insurance paid for patio roof, but stated verbally that the damage to renter's swing and table is covered by renter's insurance.
Renter said his insurance deductible is only $250 and landlord should pay for damage since it was not renter's fault because patio roof was in bad shape and that renter's insurance said he could sue landlord. Is landlord really responsible for renter's damage?


My Two Cents

Hi: siegi

To the tenant:
I doubt you could convince a court that the landlord had any real fault here. The condition of the patio cover prior to the storm is subjective and speculative. Even if you could convince a court, collecting the money for the small amount may become all too difficult to be worth the time.

The situation was do to an act of nature and not do to landlord negligence, unless it can be proved otherwise. Each party therefore must carry their own property and personal possessions insurance for that the reasons stated.


Senior Member

Landlord has no "insurable interest" in your belongings therefore you need renter's insurance. Only you know what belongs to you and how much insurance you should buy. The cost is about the same as a large pizza per month....very inexpensive and totally worthwhile.

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