Tenants evictedafter 1 yr lease, destroyed home damage estimated at over $5000 damage. Criminal charges? Civil? Homeowners insurance cover?
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UPDATED: Dec 19, 2011
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Insurance Question from Gautier, MS
Asked on 12/19/2011
Tenants evictedafter 1 yr lease, destroyed home damage estimated at over $5000 damage. Criminal charges? Civil? Homeowners insurance cover? What do I do? Tenants were evicted home was severley damaged with damamge esitmated over $5,000. Stopped up draines turnmed water on flooded home, holes knocked in all the walls and every door (doors were 6 panaled wooden doors), dishwasher door won't close. Bad tenants, disrupted quiet neighborhood, poilice called many times, my daughter (homeowner) visiting from Germany had to go back, hired propertry manager to evict tenants 6 months ago. they are contractually protected and our contract terminated due to bad management,. What now?
Answer given on December 19, 2011
You can call your insurance company or agent just to inquire about coverage but it is very unlikely that it will cover intentional acts by the tenant. The best thing to do is take alot of pictures, get a repair estimate from a reputable contractor and file in small claims court in your jurisdiction or civil court against the former tenant for the cost of the repairs. There are lawyers in your area that can advise you on how to proceed. To find a lawyer in your area, click here.
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