Did you know that fire tenant liability in an apartment is a very real possibility? Every action you take has the potential to turn into a negligent action. Recently, in South Bend, IN, apartment fire tenant liability became a very real issue.
Liability is created when a negligent act results in bodily injury or property damage to someone else or his property. This can include other residents of the building, as well as the owner and manager of the property. At Castle Point Apartments in South Bend, fire investigators have determined the likely cause of a recent fire to be tenant negligence.
It seems that the Castle Point fire started in the apartment of a tenant who had an open bottle of nail polish remover too close to a lit candle. The fumes ignited and caused the inferno. It’s unclear at this time whether the tenant will be pursued for the damages or whether any liability coverage was in place. Damages could top six figures and include tenant personal property in other units that were affected by the fire.
Apartment fire tenant liability doesn’t end when the flames are put out. The normal course of action is for firefighters to use high-pressure water to extinguish the flames. While it tends to do the job quickly and effectively, the water often causes additional damage. Beyond that, frequently firefighters have to break down doors to alert residents or chop holes in walls to look for hot spots. All of this damage is a direct result of the fire and therefore the responsibility of the tenant.
What can you do to protect yourself? Get renters insurance. Effective Coverage founder Eric Narcisco commented that he lost everything in an apartment fire and learned too late how important renters insurance is.
In his case, the fire was not his responsibility, but renters insurance would have paid to replace his personal property. As it was, he was left with nothing. In the case of the South Bend apartment fire, a renters insurance policy would likely have paid for the damage to the building and to other tenants. Renters insurance saves the tenant from being personally responsible for the potentially six figure damages.
Apartment fire tenant liability is a very real danger. Renters insurance generally costs $10-$15 per month. At that price, it’s a winning proposition. You come out ahead until you’ve been free of all claims, including property, for 88 years. Considering the average life expectancy of 78, and that the first 18 years of that doesn’t count for these purposes, you’d have to live 28 years longer than average (116 years old) in order to lose money on renters insurance. Protect yourself from liability of all kinds with an Effective Coverage renters insurance policy. Don’t make a losing gamble that something will never happen to you.