Should we ask for rent back since we aren’t living there?
Query by msdiva: Ought to we ask for rent back given that we are not living there?
We are renting our condo and the condo in front of us caught on fire which resulted in water and smoke damage to our location. Our landlord stated she only has “landlord insurance coverage” so in order for us to have an alternate place to live, we had to call our renter’s insurance organization. We have been in a hotel for a tiny over a week and half and we had been just told it could be yet another week or two just before every thing is fixed and our spot is livable again. I just spoke to our renter’s insurance business, and he said he never heard that if you aren’t living in your rental spot wherever you nevertheless are accountable for the whole month’s rent. We have currently paid for the month of June in rent even though to date, we have only lived in the condo for perhaps 12-13 days and I doubt we will move back in prior to the finish of the month. My question is, really should we ask our landlord for the income back that we have paid for the month of June because we haven’t been living there? We did have to spend our deductible of $ 500 and the insurance company of the owner of the condo who brought on the damage mentioned that we would get reimbursed for the deductible and that they would spend for the hotel area as well.
Thank you for your assist!
I reside in the State of Maryland and my landlord mentioned she only had landlord insurance coverage and wasn’t accountable to discover us one more location to reside. She said my insurance would cover that. And she stated I ought to appear to the other neighbors insurance coverage to spend us back our deductible since it was their fault for the harm. So even even though our renter’s insurance coverage is paying for our hotel keep and will later bill the other insurance organization who was at fault, it like we’re paying double! We’ve already paid for the month of June.
Greatest answer:
Answer by NaturesDoctor
Yes you should ask for the cash back and do not pay any rent until you move back in and that month’s rent really should be pro-rated. So you take your rent divided by the quantity of days in the month, then multiply by the amount of days you have been unable to live in the unit. This really should all be in the lease, place your request in writing, certified mail. If landlord give you a hard time go to landlord and tenants court.
Know greater? Leave your own answer in the comments!
Categories: Landlord Insurance Tags: Alternate Place, aren't, back, Discover, Hotel Area, insurance, Insurance Business, Insurance Company, Insurance Coverage, Insurance Organization, Landlord Insurance, living, Month Of June, Neighbors, Rent, Renter, Renting, should, since, Smoke Damage, State Of Maryland, there
Homeowners Insurance Questions & Answers
Can homeowner request insurance interrupt reports to in that component?
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Can i claim a broken Laptop on my Homeowners insurance.?
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Can ii bring back another camera and 2 ipods if they own be stolen ? using warranty or homeowner insurance?
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Can someone grant me a enumerate of
Categories: homeowners insurance Tags: Amp, Answers, Bottom Floor, Chlorine, Condominium, Dead Mouse, Electric Fire, Enzymes, Few Days, Ground Pool, Homeowner Insurance, homeowners, Homeowners Insurance Premiums, insurance, Insurance Questions, Laptop Insurance, Mischief, Neighbors, Oka, questions, Rental House, Rental Property, Saline, Water Pipe
Home insurance – does it protect you if you get sued by killing someone in your car?
Lets say you kill the neighbors kid by running him over.
The family decides to sue you for 3 million.
Your car only carries 100,000 in liability.
The family decides to sue you and try to get your house.
home insurance is just 100K if someone gets hurt in your property.
Not sure if that would even apply.
Can they take your house?
Pretend its a million dollar house and its paid off.
My goodness – thank you!!!!!!!
Auto insurance covers you for liability you incur from an Auto accident. homeowners insurance covers you for liability you incur from activities for just about anything you do outside of your car. There is actually an Auto exclusion as part of your Homeowners. It covers you for slip and falls in and around your home, if you drive a golf ball into another golfer, if you run somebody over while skiing, etc. An umbrella policy covers you for everything you might do and pays excess of the limits you carry on your Homeowners and Auto policy. If you are concerned about being sued for so much and having your home taken away or your wages garnished you should increase your limits on your Homeowners, Auto and buy an umbrella policy. I carry $250,000 per person $500,000 per accident for bodily injury and $100,000 for property damage on my Auto. I carry $300,000 combined single limit (both bodily injury and property damage) on my Homeowners. And carry a personal umbrella for $2,000,000 which I’m thinking about increasing to $3,000,000 or $4,000,000.
Categories: home insurance Tags: Accident Insurance, Auto Accident, Auto Covers, Auto Insurance, Auto Policy, Bodily Injury, Golf Ball, Goodness, home insurance, homeowners insurance, House Insurance, insurance, Neighbors, Personal Umbrella, Running, Skiing, Umbrella Policy, Wages
How do I dispute a partial denial of a homeowners insurance claim?
There was a hail storm in our area and may (most) homes had roof damage, including mine. 95% of the homes in my subdivision have gotten new roofs from homeowners insurance claims. However, my adjuster said my roof was not damaged "enough" to warrant a new roof, only repair/patching to the back side of the roof. I have Allstate and so do several neighbors. Their claims were paid, in full, with now questions asked. The difference between my claim and theirs is the adjuster. They all had a different one than me. I have called and written the main office locally and the corporate office in Illinois, to no avail. They tell me my only recourse is to take them to court.
Each claim is paid according to it’s merit. Each claim is different and has a different set of conditions. It is unfair to compare your damage to the damage of your neighbors because the damage is NEVER identical, and sometimes, the policy is different, and THAT is what determines what and how your claim gets paid.
Whether it’s Allstate, Farmers, State Farm, Joe Blow down the street–the 1st method of repair is just that, repair. If your roof can be fixed by repairing the damaged portion, that is what they pay for. If the only way to "repair" the roof is to pay for an entire new roof then they will pay for a new roof. Your roof would need to be so far beyond repair as a result of the harmful event that it would be cheaper to replace it with new than to repair it.
Look at it like this…..your child is playing soccer with his friends and your kid kicks the ball and it hits your neighbors car denting the bumper. You tell your neighbor you will pay to repair the bumper. Your neighbor wants you to pay for a new bumper. What do you do? Which would you pay for? Most likely you’ll pay for the repair because 1) it’s repairable and 2) it’s less expensive to repair a bumper than replace it with a brand new one.
Insurance is to cover items that are damaged as a result of a covered loss. Insurance is NOT a means of maintaining your home. By no means am I suggesting you haven’t properly maintained your home, but what I am suggesting is for you to put this in the proper perspective.
Knowing Allstate as well as I know them, I’m seriously surprised your letters to Northbrook have fallen on deaf ears. You could take them to court, but you would need to PROVE your roof was beyond repair AS A RESULT OF THE HAIL STORM and nothing else.
You can file a complaint with the Department of Insurance in your state, but they won’t get Allstate to pay for a new roof. What they will do is investigate how YOUR claim, and YOUR CLAIM ONLY, was handled and if they find your claim was mishandled then Allstate could suffer some serious fines. But it still won’t get you a new roof.
From what you write, your claim was paid. You just didn’t get what you thought you were supposed to. I strongly suggest you read your homeowners policy. Look and see if you have a "Right to Appraisal" clause. If you have one, use it.
Categories: homeowners insurance Tags: Allstate, Blow Down, Brand New, Denial, Farmers, Hail Storm, homeowners insurance, insurance, Insurance Claim, insurance claims, Insurance Cover, Joe Blow, Neighbor, Neighbors, Playing Soccer, Recourse, Repairable, Roofs, State Farm, Warrant
Home Owner Insurance Quote Comparison
Making a home owner insurance quote comparison goes beyond just comparing the prices of each quote you’re offered. Why choose the cheapest home owner insurance quote if it doesn’t offer the coverage and protection you need?
The first step you should take to make a home owner insurance comparison is talk with your neighbors about the home owner insurance companies with which they do business. Are they satisfied with these companies? Do these companies work well with homes in your area? You can start developing your list of companies to consider based on your neighbors’ responses.
Next, do a bit of research about the companies in which you’re interested. Check out their ratings to find their financial strengths. You can contact independent research companies or even your state’s department of insurance for this information.
Then, take a thorough inventory of your home. Do this before contacting the home owner insurance companies. When you ask for a home owner insurance quote, the company is going to want to know how much coverage you want, and they can help you determine coverage by taking a look at your home’s contents and your valuable possessions.
Based on your home’s inventory and other personal information the company asks for, you’ll be offered a home owner insurance quote. If a particular company offers you a quote without asking about your inventory or even offering to help you determine how much coverage you want, move on. You can’t get a realistic quote without this information.
Finally, gather the home owner insurance quotes you’ve gathered from financially strong and thorough companies and make your comparison. Look at the prices, as well as the coverage offered by each company. Which quote is best for you, based on your coverage needs and budget? Make sure to read the fine print of each policy possibility, too. Herein can lay deal-beakers and extra expenses of which you may otherwise be unaware.
Elizabeth Newberry
http://www.articlesbase.com/finance-articles/home-owner-insurance-quote-comparison-89657.html
Categories: home insurance Tags: Articlesbase, Beakers, Budget, Department Of Insurance, Financial Strengths, Home Owner Insurance, Home Owner Insurance Quote, Independent Research, insurance, Insurance Companies, Insurance Company, Insurance Comparison, Insurance Information, Insurance Quote Comparison, Insurance Quotes, Neighbors, Newberry, Possessions
Who’s homeowners insurance is responsible to pay if my neighbors tree fell in my yard?
The tree collapsed into my yard causing my grill and table umbrella to break, also broke the fence. He had the tree removed and repaired the fence but who pays for my broken stuff. The neighbor is saying that my homeowners insurance pays but shouldnt’s it be his???
Call your insurance ASAP.
If the neighbor’s tree fell due to their own negligence (the tree was dead and rotted out but they failed to remove it, etc) then it is their responsibility. If the tree fell because of a storm or other act of God than your insurance should pay.
Either way, this is for the insurance companies to work out. So call your agent, explain the situation, and let them work it out.
Categories: homeowners insurance Tags: Act Of God, Asap, Break, Fence, homeowners insurance, insurance, Insurance Companies, Insurance Work, Negligence, Neighbor, Neighbors, Stuff, Umbrella
How can I find out if my neighbor has homeowners insurance and what company it is with?
I am trying to file a dog bite claim against my neighbors insurance, but I do not think he is responding truthfully about his insurance policy. He denies having insurance that has personal liability. He sent a copy of his mortgage protection coverage to our lawyer and claims that is the only coverage he has. He still has a mortgage, so he must have homeowners. How can we force it out of him? He has not provided proof of insurance or lack of from the time of the injury. If he truly does not have insurance, we are going to have to sue him because the medical bills are already into the tens of thousands. Please help.
You’re probably going to have to sue him. Then he has a choice–defend the suit himself or report your claim to his insurance company. I don’t believe his mortgage company would allow him to carry a mortgage without a liability policy, but he evidently thinks that if he stonewalls, you’ll just go away. That’s what litigation is for, and he will learn that this was a situation where he should have made the report up front.
Categories: homeowners insurance Tags: Dog Bite, homeowners insurance, insurance, Insurance Company, Insurance Personal, Insurance Policy, Lawyer, Liability Policy, Litigation, Medical Bills, Mortgage Company, Mortgage Protection, Neighbor, Neighbors, Personal Liability, Proof Of Insurance, Protection Coverage, Tens Of Thousands
my neighbors daughter is on the city counsel and complains about everything and authorities take his side?
One morning my kids were going on a group outing and my dog got out. When I awoke I Heard a ruckas in the front yard I opened my door to my neighbor and the police trying to get a dog(not knowing it was my dog). when I realized it was my dog I pleaded with the officer to please let me come out and get the dog for him he would not let me.,and sprayed a whole can of pepper spray in my dogs face. The sergant on duty came to talk to me and said my dog had bit the neighbor and he was going to be put on quarentine for 10 Days . I told him that my dog at 7 years old doesnt have a mean bone in his body and I want to see the bite. He then said that a animal control officer will be getting in touch with me. Well that Monday morning they came to my house to inform me that they were going to deem my dog as visous and I probably would never get him back and if I tried I would have to get a10,000 dollars insuranse policy just to keep the dog and the counsel would decide if it should go to a hea
Was there really a bite? If not, get a lawyer immediately who will fight for your rights. This is terrible. If I had the chance, I would also move to be away from such a menace neighbor!
Categories: house insuranse Tags: Animal Control Officer, Authorities, City Counsel, Dogs, Face, Front Yard, Group Outing, Hea, Lawyer, Mean Bone, Monday Morning, Neighbor, Neighbors, Pepper Spray, Quarentine, Ruckas, Sergant