When a person is on oxygen, the normal protocol is to keep all forms of flame, spark, or other type of ignition a goodly distance away from the oxygen. That makes good sense, because a tank can explode and not only cause a fire, but also turn into a shrapnel bomb. Not everyone follows this common-sense rule, however.
A smoker at Liberty Creek Apartments in Aurora didn’t feel the need to play by the rules, and the cost impacted everyone in the community. The apartment on E. Kansas Drive was essentially a total loss. That’s bad for the resident, but it’s worse than that, and that’s why you need Aurora, CO Renters Insurance.
Aurora, CO renters insurance protects you even if you didnt’ cause the loss. This means that the impacts you feel from the fire in your neighbor’s apartment are covered as well. Apartments involve many people living in very close proximity. In this case, it was an apartment on the second story that caught fire. That brings some additional complexity.
Not only are the people adjacent to the left and right impacted by smoke and water, but the people below those apartments are also subject to a loss as a result of a fire like this. Water is used in significant quantities to put out a fire, and that’s part of the problem. All of that water gets into walls, gushes down through the ceiling, and otherwise causes damage.
The fire department isn’t responsible for damage caused by the water to other residents, because they’re doing their job by protecting the residents from the fire, which is a much greater threat. That means you’re on your own for dealing with the water damage. That damage, incidental to the fire, is generally covered by your renters insurance in Colorado.
You also have coverage for someplace to stay while your apartment is being repaired, because often after a fire the entire building is unusable for a period of time while structural integrity is inspected and repairs are made. Hotels are expensive, and this loss of use coverage can help you to avoid these additional living expenses.
In addition, if the person who started the fire has Colorado Renters Insurance, their liability coverage may pay for your loss. But when there are many people in line to make a claim, you’ll often find that the liability coverage the negligent party had isn’t sufficient, and as a result you’ll only end up with a pro-rata share of what you’re owed. That’s why it’s best to have your own policy.
It’s easy to get, and affordable. For around fifteen dollars a month, you can be protected, and it only takes a moment to get covered. Just call (800)892-4308 or click to get covered - whether you need Aurora renters insurance quotes online or coverage anywhere else!
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