Would my insurance cover me??? - Landlord Forum thread 330178

Would my insurance cover me??? by landlord (USA) on January 21, 2015 @12:46

My tenants were evicted earlier from my rental unit. They made a great damage to my rental unit before they leave. Would my landlord insurance policy help me to cover the repairs? Anyone knows? Thanks!

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Re: Would my insurance cover me??? by Anonymous on January 21, 2015 @12:50	[ Reply ]

what is deductible you have?

$1000

Re: $1000

Re: Would my insurance cover me??? by Anonymous on January 21, 2015 @12:51	[ Reply ]

File a police report for vandalism, take pictures, and go after them in court.

Re: Would my insurance cover me??? by Rex on January 21, 2015 @14:53	[ Reply ]

What does your insurance agent say?

Re: Would my insurance cover me??? by Anonymous on January 22, 2015 @13:30	[ Reply ]

Did you screen these tenants? Were they section eight? Do you have a deposit from them?

Re: Would my insurance cover me??? by Garry (Iowa) on January 22, 2015 @14:12	[ Reply ]

I doubt that your ins would cover you unless you had a specific rider that covers it, and you paid extras for it. It may cover you for vandalism if the source of the vandalism were unknown to you, the police, etc. So if someone broke in to your home and caused damage, you may be covered. But I don't think most ins cos cover a tenant deliberately causing damage when you evict them. Just call your ins co. They will tell you, but ask them to show you on your policy where it's excluded.

Re: Would my insurance cover me??? by Bill (MD) on January 22, 2015 @15:30	[ Reply ]

You need to file a civil claim against the tenants at this point. Collect fees for damage. This is B.S. don't take it out of your ins take it from them. If it was malicious you should have called the police and file a report.