A Tree Fell on the house im renting
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UPDATED: Oct 7, 2015
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Insurance Question from Bells Cross Roads, NC
Asked on 10/07/2015
A Tree Fell on the house im renting A Tree fell in my house in North Carolina that I am renting and it was deemed unlivable. Now me and my kids are displaced. Red Cross provided a hotel for 2 nights and today was the last day. Is my landlord responsible providing a place for me to live? Is he responsible for a hotel? Can someone just tell me my rights and what choices I have because he has a adjuster coming out today and he said nothing about providing me housing and it will be a month or more before I can move back in.
Answer given on January 12, 2016
If a home you are renting is damaged by a storm, the landlord is not legally liable to provide another place to live or a hotel. If he has the correct insurance he may have some coverage for his loss of rents, and he could share with you, but there is no requirement. He should refund your deposit since you can no longer live there.If you had renters insurance, which is very inexpensive, you would have had insurance coverage for loss of use or additional living expenses you incur to live elsewhere. This would not pay your rent, but it could pay for a hotel for a period of time. It would also pay for costs to move to a new location.Finding another place to live is your responsibility. Since you are not paying rent in the previous home, you should have enough money to pay rent at a new location.
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