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How To Choose A Competent Therapist
Publishing Guidelines: You have permission to publish this article electronically or in print, free of charge, as long as the resource box is included. A courtesy copy of your publication would be appreciated....
How To Have A Happy And Healthy Back To School
It's the time of the year that most kids have been avoiding; Back To School! Going back to school can make some kids anxious. Some are starting kindergarten and others are transitioning from elementary to middle school or from middle school to high...
Obesity Isn’t The Only Problem With Today’s Youth Entertainment
Parents are desperately trying to lure their children away from video games and the TV for fear of obesity. Many children today are substituting good reads for TV remote and game controllers. Cindi Brown, a daycare owner expresses “Children who...
Sugar and Spice and Things Not So Nice
I may be mistaken, but it seems that the sweet little girls of yesterday have become so…bold! Actually, the word ‘bold’ is an understatement. I have noted many examples in the various settings throughout my community, but I do not believe it is an...
Take Care Of Your Inner Beauty
Let us talk about beauty from a different angle!
We have our own criteria for judging the beauty of a woman. We look the beauty of a lady from a certain angle and then pass the remarks whether she is beautiful or not. It’s not fair. Let me...
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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
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