food spoil/renters ins
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food spoil/renters ins (by Ann [MA]) May 10, 2019 4:25 PM
       food spoil/renters ins (by DJ [VA]) May 10, 2019 5:43 PM
       food spoil/renters ins (by allyM [NJ]) May 10, 2019 6:07 PM
       food spoil/renters ins (by Robert J [CA]) May 10, 2019 7:40 PM
       food spoil/renters ins (by DON [PA]) May 10, 2019 11:04 PM
       food spoil/renters ins (by Doogie [KS]) May 10, 2019 11:37 PM
       food spoil/renters ins (by Oregonwoodsmoke [ID]) May 11, 2019 10:09 AM
       food spoil/renters ins (by Nellie [ME]) May 11, 2019 11:24 AM
       food spoil/renters ins (by Vee [OH]) May 11, 2019 12:18 PM
       food spoil/renters ins (by JKJ [MA]) May 12, 2019 7:34 AM
       food spoil/renters ins (by Lynn [MA]) May 15, 2019 10:48 AM

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food spoil/renters ins (by Ann [MA]) Posted on: May 10, 2019 4:25 PM

Refer may have died (only 3 years old) so of course my tenant wants her filet minion and caviar etc remembersed by the LL. We tell them when they apply that we highly recommend renter insurance as we do not cover their personal property. well now she says she called her renters insurance people and they say they do not pay for food.

Based on past dealings, I don't trust much of anything she says. Do you know if food spoilage from a refer that goes down is covered by most renters insurance?

food spoil/renters ins (by DJ [VA]) Posted on: May 10, 2019 5:43 PM

I thought it would. Are you sure they have insurance? Perhaps if you called their carrier and asked (see if they can give you their agent's contact info - AKA proof of insurance)

I say they should have put their food into a cooler like any reasonable person would. It's on them, whether or not they have insurance.

food spoil/renters ins (by allyM [NJ]) Posted on: May 10, 2019 6:07 PM

It depends on how you want to deal with the tenant. Yes they should have put the stuff in a cooler or call a friend and put it in their fridge. It might just be a breaker off or maybe they just want to harass you into giving them food. What did you see when you went to look at the fridge? Take a friend with you. If I went and looked and could determine the fridge broke and somehow ruined their food, I would give them a 50 dollar card to go buy some. If they were at work the door would have remained closed and the food should be OK at least in the freezer.

food spoil/renters ins (by Robert J [CA]) Posted on: May 10, 2019 7:40 PM

Back in 1997 a tenant tried to get me to foot the bill for her families Thanksgiving Day party. Why, because the frig went out and all of her food was spoiled. The only thing is she couldn't produce receipts and she said the threw out the food because it began to stink.

Of course I replaced her refrigerator and purchased an extended warranty with "Food Spoilage Coverage". I gave her a copy of the policy and underlined the section, "Spoiled items needed to be bagged and saved for coverage and proof of purchase-receipts necessary".

Even though my lease calls for tenant of carry renters insurance, I want to be fair to my "low income tenants" that can't afford an unexpected disaster like loss of food. That was way back then. Now even my poorest tenant has a Large Screen Television and a New Car in the Garage! IF they can afford that, then they can pay for their own loss of food. --47.156.xx.xx

food spoil/renters ins (by DON [PA]) Posted on: May 10, 2019 11:04 PM

Whether or not their insurance covers it is immaterial as to whether or not you as a ll are liable. If the fridge went without warning, it is not your liability. If the tenant complained that the fridge was not was not working properly and you ignored the problem, you are possible liable.

food spoil/renters ins (by Doogie [KS]) Posted on: May 10, 2019 11:37 PM

Who do you collect money from if your fridge goes out? They should contact the same person for payment.

food spoil/renters ins (by Oregonwoodsmoke [ID]) Posted on: May 11, 2019 10:09 AM

My insurance paid for the food when a freezer went out while I was on vacation, but it was a home-owner's policy not renter's insurance. It was a lot of money, but I'd just butchered three lambs and bought half a pig and had receipts for that part of it. I listed everything else and took a photo.

It would be easy enough to verify her claim that her insurance company wouldn't cover the food.

My rental agreement says that the landlord has no responsibility for the tenant's belongings. So, I wouldn't pay for spoiled food.

Anyone with half a brain would move their food to ice chests. If the tenant behaved decently, I'd be happy to reimburse them for the bags of ice.

food spoil/renters ins (by Nellie [ME]) Posted on: May 11, 2019 11:24 AM

I apply the “if it is my personal home” principle to appliances and explain that to my tenants. The only true appliance emergency is hot water and heat. The rest is not a crisis because there are other options. If my fridge dies I use a small dorm fridge and coolers. I have a dorm fridge to lend to the tenant if they wish. I do not pay for food loss as I would have to pay for my own food loss when my fridge died. I will replace/repair in as timely a manner as possible.

Washers and dryers the same. If it is Friday night then I will call on Monday morning or make arrangements to replace. There is a laundromat down the street. (I had a tenant demand I call for service on a Saturday. Nope, not happening.)

food spoil/renters ins (by Vee [OH]) Posted on: May 11, 2019 12:18 PM

My experience with this is they need to have the receipts for the insurance to prepare a claim, insurance works like belly buttons - the inny is the tenant insurance and the outy is the owner.

food spoil/renters ins (by JKJ [MA]) Posted on: May 12, 2019 7:34 AM

In most cases the LL is not responsible for spoiled food if the fridge fails unless the LL is neglect. If this were to happen to me, I would give them a gift card to stop & shop for $25. It goes without saying I would repair/replace the fridge in a timely manner.

food spoil/renters ins (by Lynn [MA]) Posted on: May 15, 2019 10:48 AM

Another reason not to supply fridges.

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