Over the weekend, an apartment fire on Hunters Ridge Drive in Huntsville, AL ended with one person in the hospital. Heavy smoke bellowed from the windows when crews arrived on the scene. Power was immediately cut to the buildings while the fire was fought.
Heavy damage resulted from the Huntsville apartment fire,
both to the building and to personal property of residents. While the cause of the fire is still under investigation, it is extremely unlikely that tenants will be able to recover from whomever is responsible for the apartment fire in Huntsville.
Because the fire was on the second story of the building, smoke and water damage occurred throughout the entire building.
Everything tenants owned is either damaged or destroyed. Alabama renters insurance would pay for the damaged property, but the chances of winning a lawsuit against the person who caused the fire and then collecting on that judgement approaches zero.
Alabama renters insurance would not only take care of the personal property loss but also put up the policyholder in alternate accommodations while repairs are being made. Coverage for that is provided under the “Additional Living Expenses” coverage. In addition, having a policy from Effective Coverage, the nation’s leading provider of Alabama renters insurance, would mean that the owner of the damaged property gets made whole now. Chasing down the responsible party to subrogate, or collect that money back, becomes the insurance company’s problem and not the tenant’s.
This was a pretty straightforward fire that was knocked out quickly, but not all Alabama apartment fires are that way. Some reduce entire buildings to ashes. Worse yet, during the time repairs are being made and before tenants can retrieve undamaged property, it’s becoming more
commonplace for vandals and thieves to enter the premises and take anything of value they can find.
They steal from the burned-out unit and from the residences of innocent people who aren’t allowed back in yet. Residents can’t get in, but criminals can and will find a way.
Alabama renters insurance protects your property, even when there are multiple covered perils like fire and theft. The claims adjuster sorts out what gets paid under what peril, and the entire process is transparent to you. All this coverage and safety generally runs just $15.00 a month. Alabama renters insurance is a good investment in your future.