A couple with Oregon renters insurance learned the hard way that the only company you can trust to take care of you after an apartment fire is your renters insurance company. The Gresham, OR couple suffered a significant loss because of an appliance which was known to be faulty.
The Keurig K10 coffeemaker was recalled well after the fire, in December of 2014. In May of 2014, the couple had set their coffeemaker to have a cup ready for the in the morning, and gone to bed They awoke not to their alarm, but to a Keurig apartment fire sparked by the coffeemaker.
When they contacted the company looking for a refund – only a refund, not additional compensation – they were offered a new coffeemarer and nothing else. Needless to say, they’re somewhat less than happy with that offer. Their landlord is, of course, not returning their deposit because of the apartment fire.
But all is not lost, even still. The couple had recently purchased Gresham renters insurance, which helped them in several ways. In the immediate aftermath, the Oregon renters insurance paid for the hotel stay they needed while apartment hunting. Their personal property was covered for replacement or cleaning, allowing them to quickly restart their life.
While the owner of the apartment declined to proceed against the residents, the owner’s insurance company could still subrogate. That’s where the couple’s Gresham renters insurance could be most important. First and foremost, if the owner’s insurance tries to recover from them, their own renters insurance will provide a defense to those claims, at their insurance company’s expense. If liability is found, the claim will be paid by the renters insurance.
That prevents a potential claim or subrogation from hanging over their head for potentially years. The couple’s Gresham renters insurance policy is the single most important reason they’ve been able to get back on track in a new location after suffering an apartment fire caused by a recalled coffeemaker.
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