Twenty people are displaced by a Modesto apartment fire, all because one resident of the building wanted to be a good Samaritan. Modesto renters insurance is, of course, helping those who had coverage with hotel expenses and replacement property, but many residents are being assisted by the Red Cross because they didn’t have a policy. These twenty people are victims of a vengeful, hateful act which resulted from one of their neighbors trying to do the right thing.
Modesto, CA renters insurance is useful when you least expect to need it. While we suspect there’s a bit more to the back story, a tenant who lived in the apartments picked up a transient woman whom they apparently knew in passing and brought her to the complex so that the woman could do her laundry. That sounds like a good deed to us.
The problem started when both of them apparently ran out of quarters and weren’t able to dry the wet clothes. They ended up inside the apartment looking for a solution because sending someone out into the winter with wet clothes isn’t a terribly practical thing to do, even in a California winter.
That’s when they apparently turned to drying the clothes over the stove in the apartment. The tenant advised the woman this wasn’t the best idea, and a fight apparently ensued. While they were hotly debating the wisdom of drying clothes on a stove (bad idea), the clothes in question caught fire. Any kitchen fire can spread in seconds, and this one did.
Before firefighters arrived to the Modesto apartment fire, two people had already jumped from balconies to escape. Both suffered minor, but survivable injuries. Two other residents were rescued from a bathroom they had locked themselves in to buy a few moments of fresh air just before the door gave way to the fire. Neighbors have called it a case of arson, but it sounds a great deal more like negligence because the Modesto apartment fire wasn’t intentionally set, it resulted from the negligent act of drying clothes over a kitchen stove.
Whatever the cause is ultimately ruled to be, Modesto renters insurance will cover the personal property and additional living expenses of those who had a policy. This just goes to show that you never can fully predict your level of risk when you live in an apartment. You might live responsibly, but a neighbor or a guest may not. When you live in close proximity to so many people, their actions are nearly guaranteed to impact you. Since you can’t predict those risks, nor prevent them, the only way to protect yourself is with a California renters insurance policy from Effective Coverage.
Averaging just fifteen dollars a month, the coverage replaces your personal property, covers your costs to stay elsewhere after a covered loss prevents you from using your apartment, and even covers your liability. It’s unknown whether the tenant in question had coverage, but if he did, his liability could respond to this Modesto apartment fire. Claims could include the building owner’s deductible (generally up to $25,000), property of those who didn’t have coverage of their own (since the tenant is responsible for the situation that caused the fire), and the injuries of those who jumped from the balcony.
This is also a good time to ask how much liability should you have on renters insurance. Since liability is inexpensive, you should have as much as your provider offers, often $500,000. One of the people who jumped from the balcony to escape this Modesto apartment fire fractured a hip. Those medical bills alone could exceed $100,000.
Do you have Modesto renters insurance? Do you have enough coverage on your policy? Start asking the hard questions and make sure you’re protected. Effective Coverage has the answers you need.