Mu tenant caused flooding in other units. I have condo (renters policy) insurance. will I be liable for the damages?
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UPDATED: Aug 13, 2013
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Insurance Question from San Diego, CA
Asked on 08/13/2013
Mu tenant caused flooding in other units. I have condo (renters policy) insurance. will I be liable for the damages? Hello, Thanks fore taking the time to read this post. I am a condo owner in San Diego, CA . MY unit is on the 4th Fl (bldg has 5 floors) I have complete insurance with liability coverage. Recently my tenant left the bath tub on and went to work causing flood damage to the units below. My insurance company denied the claim as they mentioned it was the tenants fault. Owner's of 2 units filed the claim with their insurance companies and they took care of the damage. One of the owner had lapsed on her insurance and she has about 20K damages. Can they come after me?
Answer given on August 14, 2013
If you were renting your condo unit to a tenant, and you had the correct insurance as a rental condo, your insurance company should protect you if you are held liable for the water damages to any of the other unit owners. Even if the other insurance companies paid for the damages on their insured party, they might still come to you to reimburse them for the damages. If they do, then turn it over to your insurance company to handle and settle. If your insurance company denies coverage, and the insurance company or the one owner who had no insurance takes you to court, your insurance company must defend you and pay any judgment held made against you.If your tenant had renters insurance, they could be responsible for the damages due to negligence. Since you were not negligent, you really are not responsible for the damages, but someone could still file a claim.
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