Texas landlord-tenant issues can get sticky very quickly, and someone who didn’t have renters insurance in San Antonio wants to know,
What can I do if my landlord won’t replace my damaged property? My upstairs neighbor left his bathtub running and went away for the weekend. Needless to say, nearly everything in my apartment is damaged, including some pretty expensive stuff. How do I make my landlord fix this problem?
We hate to be the bearer of bad news, but somehow there is a widespread misconception that the landlord has some responsibility for a tenant’s personal property. This is not true.
What Can I Do If The Landlord Won’t Pay For My Personal Property That Was Damaged?
What if there’s damage to my personal property and the landlord won’t pay for it? What recourse do I have against my landlord to get my property covered?
What Can I Do If My Landlord Won’t Replace My Damaged Property?
Ultimately, nothing. We don’t know where the common misconception that property management is responsible for personal property came from, but it’s exactly that, a misconception. Unfortunately, there is nothing you can do if the landlord won’t replace your damaged personal property. Because he is not the one who caused the damage, he is not obligated to replace the damaged property.
Renters Insurance
So if you can’t force the landlord to pay for your personal property, what other recourse do you have? If the loss has already occurred and you do not have renters insurance your only option is to try and sue the responsible party. On the other hand, if you have renters insurance, you just make a call, file a claim, and get the property replaced. It really is that easy.
Considering that we’ve established that your landlord has no insurable interest in your personal property, and even without that insurable interest, is not obligated in any way to cover your personal property, renters insurance is a great investment. $15 a month is the national average price for a renters insurance policy, and that’s a very small investment in protecting the future of your family.
Contact Effective Coverage at (800)892-4308 today to find out how inexpensive it can be to protect yourself when the landlord won’t pay for your damaged property!