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How To Potty Train In Two Days
Ah, potty training! Go to a local bookseller and you will find dozens of books on the subject. Search the Net and there are thousands of websites with information on how to do it stress free. There are even people who are capitalizing on a...
Is Pet Insurance Right for You?
What is Pet Insurance? Pet insurance is a health plan for your pet to insure against large and small unexpected veterinary bills over the life of your pet. Potential treatments for your pet now rival human treatments both in sophistication...
“Moissanite Diamonds – A Tinsel On Earth”
Are you jaded of the usual junk or gold or silver? Wish to append that exquisite flicker to your jewelry box? Nothing serves you better than moissanite diamonds. Moissanite diamonds will be the crown of glory on your fabulous jewel collection. For...
Protecting The Smallest Member Of Your Family: A Step-By-Step Guide To Pet Insurance
Let’s face it – Fido and Fluffy are an important part of your family. Do you want to have to assign a dollar value to them if they become sick or injured? That may well be the case if you don’t have pet health insurance. Rising veterinary costs...
RecoveryPets.Com vs. Other Pet Registration Services
For those pet owners who do not know what a pet registration service is, or the benefits they provide, this article will try to explain these services. Pet registration is how lost pets get returned to their owners, it as simple as that. The owner...
 
Water Damage In A Rental Unit

Biting her keys in her mouth, Phyllis jiggled the condo door open with her free fingertip. Peeking over bags of groceries, she stumbled through the living room and into the kitchen. Step. Step. Step. Squish......? Setting the groceries down, her line of vision shifted to her feet... now immersed in a lukewarm puddle of water, and as she scanned the room, she saw that her couches... chairs, and coffee tables were also about to set sail.

Frantically searching for the culprit, Phyllis became more and more frustrated. The sinks were turned off. The tubs were empty. The dishwasher wasn't on and it hadn't rained for weeks. Then she realized where it was all coming from. It seems that good ole' neighbor Joe Brown never felt it necessary to repair that kitchen sink leak. Why should he have? The leak never came in on his side of the apartment wall.

So now what? It wasn't her fault she had a new indoor swimming area, but would she have to pay for the damages? Allstate Agent Joe McLean says that she purchased a good renter's insurance policy, she would be covered. There are renter's insurance policies which protect you in the event of a bursted pipe, water heater, water bed, etc. With this insurance, you won't have to worry about replacing the pipes, carpeting, or your personal belongings directly out-of-pocket.

Unfortunately, Phyllis didn't have water damage specifically covered under her renter's insurance policy. She was therefore only reimbursed for the damage to her personal belongings, not for the replacement of the carpet, or the repair of the leaking pipe. If her neighbor had had coverage, his policy would have paid for the damage... but he didn't. For the next six months everyone pushed the repair costs on to someone else. The plumbers said it wasn't their responsibility any longer, Joe didn't care because it didn't affect him directly, and the landlord argued that according to the lease, he was only responsible for the exterior upkeep of the condos, not the interior. There wasn't even a security deposit for the landlord to take from. Meanwhile, the carpet began to


mold, and patience wore thin. In order to avoid going through the tedious small claims court process, Phyllis moved into another condo and away from the stress. The new owner eventually had to fork out the cost for repairs, and the problem was finally resolved.

According to nolo.com, if a neighbor is legally responsible to water damage you suffer, you may be entitled to:

* Compensation for cost of repairs and replacements.
* Compensation for expenses such as having to stay at a motel.
* Compensation for mental distress, if you have suffered an underlying physical injury.
* Reimbursement for medical expenses.

Punitive damages, if a neighbor acted maliciously. For example, if it could be proven that neighbor Joe rigged the kitchen sink leak up to specifically flood out Phyllis' living room out, then the court would not only compensate Phyllis for the damages, but may also order the neighbor to pay extra money to her as punishment for malice.

However, if neither parties have a renter's insurance policy covering water damage, you'll have to go to small claims court to get compensation, and sometimes it's not even worth the hassle. In order to avoid having to give in and pay for damages, or give up and go to court, it's important to invest in a good renter's insurance policy. Contact your local insurance agent to decide which policy gives you the most coverage.

Another moral to the story? When looking into rental property, it is incredibly important to scrutinize the lease. Some landlords state specifically that they will keep all electrical and plumbing systems in good, working condition, but others - as in Phyllis' case, only claim responsibility for the exterior upkeep of the complex. If you are already living in a rental unit and your manager/landlord does not take care of these things, you should definitely invest in a good renter's insurance policy to avoid future problems.

About the Author

Since 1989 dan the roommate man has helped 1000's of people find roommates. Need help? Contact him at 800-487-8050 or www.roommateexpress.com

 

PetSmart - Pet supplies and pet products for healthier, happier pets
Offering food, treats, collars, leashes, health products, shampoos, medication, toys, carriers, housing and other supplies for all pets.
www.petsmart.com
 
Pets 4 You.com - Dogs | Cats
A large resource for animal enthusiasts with a directory of breeders and links to sources offering pet supplies and products, and to rescues and shelters.
www.pets4you.com
 
Yahoo! Pets
Learn how to care for a new pet. Find information about breeds or adopt a dog. ... What questions on pets or pet nutrition do you have today? ...
pets.yahoo.com
 
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Pet care resources by the American Animal Hospital Association to find a veterinarian, veterinary clinic or animal hospital for pets and provide pet care ...
www.healthypet.com
 
Dogs & Puppies - Next Day Pets
Directory of breeders and shelters with dogs and puppies for sale and pets for adoption. Search dogs and puppies by breed with information on 150+ dog ...
www.nextdaypets.com
 
Petfinder.com: Adopt a pet and help an animal shelter rescue a ...
Adopt a pet dog or cat from animal welfare organizations across the country.
www.petfinder.com
 
Welcome to Neopets!
A virtual pet website where visitors may adopt and care for pets, as well as play games and participate in contests, communities, and combat simulations.
www.neopets.com
 
Chicago Tribune | Pets
Click one of the buttons to show pets within that category. Click here to show all pets for sale. Search Tips. (e.g., Beagle, Persian) ...
www.legacy.com
 
Pet - Wikipedia, the free encyclopedia
A pet is an animal kept for companionship and enjoyment, as opposed to ... Some horse-like animals are suitable for human companionship as pets or as work ...
en.wikipedia.org
 
Pets - Pet Breeders Pet Information Pet Classifieds
Pets - Pet, Hobby and Show Animals Pets Online Has Puppies For Sale, Pet Products, Pet Shops.
www.mypets.net.au
 
Defra, UK - Animal health and welfare - Bringing pets to Britain
Travel guide and information on qualifications, requirements, and fees for bringing a pet into the UK.
www.defra.gov.uk
 
Defra, UK - Animal health and welfare - Pet Travel Scheme
The Pet Travel Scheme (PETS) is the system that allows pet dogs, ... For travel to France, the passport also replaces the PETS 5 certificate. ...
www.defra.gov.uk
 
Indiatimes - Pets
/photo.cms?msid=968871. You can post him queries and problems about your pets. ... Other beautiful animals: pets, wild cats & butterflies. PET ZODIACS ...
pets.indiatimes.com
 
AVMA Care for Pets Home Page
Articles that tell how to select a pet, how to care for various types of pets, and how to cope with the death of a pet. Includes a section just for kids.
www.avma.org
 
Dog and Pet T-Shirts and Gifts at CafePress.com : Shop Over 35 ...
Pet Gifts. Pet Gifts. Pet owners unite with fun t-shirts, hats and more. See all results... Categories within Pet Gifts ...
www.cafepress.com
 
Pet Lover Gifts : Find & Buy Gifts at CafePress.com
Shop millions of unique and custom pet designs - such as dog, cat, bunny, horse and other animals - available on t-shirts, mugs, mousepads, posters, ...
www.cafepress.com
 
PETS 911 ­ pet adoptions thru local animal shelters
Offers hotline for lost and found pets, adoption, veterinarians, and animal shelters.
www.pets911.com
 
Pets
Most of us think of adopting pets for all the wrong reasons.. as a ... Pets has a way of listening without judging and loving its owner unconditionally. ...
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Mara Pets Games - Play Free Flash Games, Dress Up Games and ...
Mara Pets Games is a free virtual pet site with fun flash games and character dress up games. Three new games weekly!
www.marapets.com
 
Canada's pet information center for dogs cats and humans
Canadian pet information centre, featuring articles, bulletin board, dog breed profiles, cat breeds, and ask the vet sections.
www.pets.ca
 
 

 
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