Condominium Damage Insurance Renting

Uninsured Condo Renter Hit Hard by Association-Hired Contractor Mistake

L.D. outside from Connecticut writes:

Dear Mister Condo,

HOA hired licensed contractor to fix pipes in community garage. Our condo completely flooded every room by contractor’s fault. We do not have renter’s insurance. Have thousands of dollars in property damage. Who is responsible? Our landlord who owns the unit insurance policy does not cover our property what do we do?

Mister Condo replies:

L.D., I wish I had better news for you. Renter’s insurance is the responsibility of the renter (you). This policy would have likely covered your loss. Clearly, the damage was caused by the contractor and the association may be able to make a claim for the damage caused to the association. However, the damage inside your unit would have been covered by your insurance, which you did not have in place at the time of the damage. I am not an attorney and offer no legal advice here. However, you should most definitely speak with an attorney to see what, if any, remedy may be available to you. I am very sorry for your loss and I hope you can recover from this tragedy. Of course, get renter’s insurance to protect yourself from this type of tragedy from striking you again. Insurance is a necessary expense in today’s world. All the best!

Leave a Reply

Your email address will not be published. Required fields are marked *