First things first: Every apartment should have a carbon monoxide detector. Period. If one isn’t provided for you, buy one. It’s that simple. They’re affordable, they’re unobtrusive, and they can save your life. With that said, if there is a CO leak, will loss of use coverage on your renters insurance in Anaheim pay for a hotel stay?
Loss of use coverage on renters insurance is triggered by a covered loss. If we review renters insurance perils, we won’t find carbon monoxide in that list. Further, we won’t find mechanical breakdown in the list. Since the source of a CO leak is almost always mechanical breakdown and/or poor installation practices, there is no covered loss to begin with. Without a covered loss, your additional living expenses coverage does not trigger.
There is good news, however. Even though your Anaheim, CA Renters Insurance isn’t likely to cover the loss, a California landlord is more than likely going to be required to put you up in a hotel while repairs are made for your safety. We’re insurance experts, not experts in landlord-tenant law, but you should review your options.
Even if they weren’t required to, the landlord will probably want to put you somewhere else while repairs are made if there’s a CO leak. First of all, it gets you out of the way of the repair process, which makes the process faster and less expensive for the landlord. Second of all, the landlord’s liability exposure in asking you to stay in an apartment with a carbon monoxide problem is huge.
If there’s a CO leak in your apartment, you need to get out of the apartment before you do anything else. It’s not explosive, but it will kill you and you likely will not realize that you’ve been overcome. Once you’ve done that, contact the landlord and ask them to investigate and make repairs. Will Anaheim, CA renters insurance loss of use cover carbon monoxide? No, but it covers a host of other perils that can be dangerous to you and your property, as well as covering liability which can save you hundreds of thousands of dollars.
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