CAN HOUSING COMPLEX MANAGEMENT DEMAND TO BE LISTED AS A THIRD PARTY IN PERSONAL LIABILITY INSURANCE AFTER A LEASE HAS BEEN SIGNED?
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UPDATED: Oct 22, 2011
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Insurance Question from Roswell, GA
Asked on 10/22/2011
CAN HOUSING COMPLEX MANAGEMENT DEMAND TO BE LISTED AS A THIRD PARTY IN PERSONAL LIABILITY INSURANCE AFTER A LEASE HAS BEEN SIGNED? MY HUSBAND AND I RECEIVED ON OUR DOOR KNOB THIS MORNING A LETTER STATING THAT WE WILL BE IN VIOLATION OF OUR LEASE AND CHARGED $150, IF THIS LAST MINUTE NEVER BEFORE MENTION STIPULATION NOT BE MET WITHIN SEVEN DAYS. THIS LETTER SEEMS SUSPICIOUS AS IT CAME ON THE HEELS OF A DEMAND FOR A NEW STOVE AFTER THE PRIOR ONE CAUGHT ON FIRE (IT WAS AN ELECTRIC STOVE AND THEY TRIED TO BLAME US FOR THE WIRING THAT WAS ON FIRE--AFTER 3 REPEATED ATTEMPTS AT REPAIR AND AVOIDANCE OF REPLACEMENT) !! THERE WERE ALSO COMPLAINTS OF OTHER STRUCTURAL PROBLEMS IN THE APARTMENT.
Answer given on October 27, 2011
Housing complexes have begun requesting proof of insurance for their tenants and do often request that they be named as additional insured for the liability portion of your insurance. The timing of the request from your landlord seems questionable, but it may be they realized they did not have this insurance requirement when reviewing the lease after the incidents in your unit. It is probably not a punitive action by the landlord.You should check your lease to see if the requirement is shown in the lease. If not, you should talk to your landlord. If this is a new requirement, I’m not sure they can change the lease in the middle of the term. However, it is generally very simple to add them as additional insured. Contact your insurance agent and explain what is being requested. Your insurance company should be able to comply with the request and there is usually no charge to you.
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