My house flooded last night, should our landlord pay for us to stay somewhere else?
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My house flooded last night, should our landlord pay for us to stay somewhere else?
One of the toilets last night began leaking and noone was home. Came home, and there was about 1.5inches of water on the bottom floor, and 2 of the upstairs bedrooms had water in them. The landlord called his insurance, and they're fixing it but they said it'll take close to a month to fix. And they said the fans were loud etc etc. It sounds unlivable to me, is the landlord supposed to give us other housing? Or at least not charge us to live here for this month? <-- which is what I'd prefer. I can find somewhere else to crash
Patrick.
Patrick.
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Talk to your landlord, I'm sure he will work with you and he will be paid any lost money through his insurance company.
I do not see it taking a month to dry out. I bought a new washer and it flooded my house. I had a company come out and vacuumed the rooms and put dehumidifiers in and it was dried in 2 days. If he is going through insurance then they may be tearing out the carpets and getting a remodel job out of the deal.
I do not see it taking a month to dry out. I bought a new washer and it flooded my house. I had a company come out and vacuumed the rooms and put dehumidifiers in and it was dried in 2 days. If he is going through insurance then they may be tearing out the carpets and getting a remodel job out of the deal.
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Yeah, they said they were going to have to take off walls/repaint. Water was leaking through all the ac vents, through walls etc. I don't know much about it all.
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Just a thought,
His insurance may or may not cover it. If he doesn't have flood insurance I have found most of the policies here in Houston do not cover it. Even though it's not a "flood" it's still water damage and you have to have flood insurance to cover.
I hope it works out for you. Keep us posted.
His insurance may or may not cover it. If he doesn't have flood insurance I have found most of the policies here in Houston do not cover it. Even though it's not a "flood" it's still water damage and you have to have flood insurance to cover.
I hope it works out for you. Keep us posted.
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Flood insurance is for water rising from outside the home, IE: rainwater, hurricanes... This flood is a plumbing leak, covered by most, but not all, Rental Dwelling policies. If there is coverage, then loss of rents will apply, which will not cover hotel expenses for YOU, but will pay lost rental income for the LANDLORD.
YOU should have your own Renters Policy that would cover Additional Living Expenses for a loss like this. Renters Policies are cheap and there is no excuse for you not to have one. It is YOUR responsibility, not the landlord. You also might try reading your lease to see if this situation is addressed.
YOU should have your own Renters Policy that would cover Additional Living Expenses for a loss like this. Renters Policies are cheap and there is no excuse for you not to have one. It is YOUR responsibility, not the landlord. You also might try reading your lease to see if this situation is addressed.
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Flood insurance is for water rising from outside the home, IE: rainwater, hurricanes... This flood is a plumbing leak, covered by most, but not all, Rental Dwelling policies. If there is coverage, then loss of rents will apply, which will not cover hotel expenses for YOU, but will pay lost rental income for the LANDLORD.
YOU should have your own Renters Policy that would cover Additional Living Expenses for a loss like this. Renters Policies are cheap and there is no excuse for you not to have one. It is YOUR responsibility, not the landlord. You also might try reading your lease to see if this situation is addressed.
YOU should have your own Renters Policy that would cover Additional Living Expenses for a loss like this. Renters Policies are cheap and there is no excuse for you not to have one. It is YOUR responsibility, not the landlord. You also might try reading your lease to see if this situation is addressed.
Some out there will not cover ANY water damage. Unless you have flood insurance. This also applies to sewage back up and plumbing. I'm just saying this because I just moved to houston and it was one thing all of my agents I called for quotes made sure to point out. The cheaper one's will not cover it, and you have to buy the 350 or what ever it is that FEMA says it is. I have never heard/had this happened.
Some of the insurnaces are changing saying they cover Flood, like you said gg, and others say "water" damage. Just something to look at.
I think it's shady I agree, but just want to make sure that others dont fall into the trap I almost did.