No insurance
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No insurance (by Greg [SD]) Oct 5, 2021 1:08 PM
       No insurance (by Jeffrey [VA]) Oct 5, 2021 1:24 PM
       No insurance (by Ken [NY]) Oct 5, 2021 1:29 PM
       No insurance (by Greg [SD]) Oct 5, 2021 1:30 PM
       No insurance (by Landlord ofthe Flies [TX]) Oct 5, 2021 2:15 PM
       No insurance (by myob [GA]) Oct 5, 2021 2:18 PM
       No insurance (by Robert J [C]) Oct 5, 2021 2:20 PM
       No insurance (by Greg [SD]) Oct 5, 2021 2:36 PM
       No insurance (by Greg [SD]) Oct 5, 2021 2:36 PM
       No insurance (by Greg [SD]) Oct 5, 2021 2:49 PM
       No insurance (by Greg [SD]) Oct 5, 2021 2:51 PM
       No insurance (by Vee [OH]) Oct 5, 2021 3:48 PM
       No insurance (by Paulio [PA]) Oct 5, 2021 5:34 PM
       No insurance (by Hollis [MA]) Oct 5, 2021 6:17 PM
       No insurance (by plenty [MO]) Oct 5, 2021 7:02 PM
       No insurance (by Lana [IN]) Oct 5, 2021 11:14 PM
       No insurance (by BRAD 20,000 [IN]) Oct 6, 2021 12:51 AM
       No insurance (by dave [CA]) Oct 6, 2021 2:47 PM
       No insurance (by Homer [TX]) Oct 6, 2021 3:02 PM
       No insurance (by Sisco [MO]) Oct 6, 2021 3:35 PM
       No insurance (by Sisco [MO]) Oct 6, 2021 3:41 PM
       No insurance (by Greg [SD]) Oct 7, 2021 8:26 PM
       No insurance (by Nicole [PA]) Oct 8, 2021 11:38 AM

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No insurance (by Greg [SD]) Posted on: Oct 5, 2021 1:08 PM
Message:

Renter's washing machine hose broke and flooded his apartment, and caused damage in the lower unit apartment. Had our maintenance guy come and take a look, estimates it will be 25k to fix both apartments.

Renter just told me he does not have renter's insurance to cover the damages. I have a call into my insurance company, but thinking because his machine caused the damage my insurance won't cover.

Anyone run into this before?

--69.84.xx.xxx




No insurance (by Jeffrey [VA]) Posted on: Oct 5, 2021 1:24 PM
Message:

Greg, first off 25K seems pretty high. How big are these apartments? What is the extent of the damage in both apartments? Have you personally seen the damage? Anyone taken any pictures? --72.214.xx.xx




No insurance (by Ken [NY]) Posted on: Oct 5, 2021 1:29 PM
Message:

A friend had similar damages years ago and the tenant did it on purpose on his way out and my friend was covered no problem --72.231.xxx.xxx




No insurance (by Greg [SD]) Posted on: Oct 5, 2021 1:30 PM
Message:

Yes, the entire floor in the second floor needs to be removed and fans put in to dry it up and then replaced. The water leaked through the floor and the ceiling will need to be replaced in the apartment underneath. Pictures are pretty deceiving as it looks 'okay' as it is vinyl floor in the upper level, but the first floor sheetrock is bubbled. I guess it only took a few hours of this sitting water to do the damage. Pretty shocked to hear the estimate. Each unit is about 1100 sq ft. --69.84.xx.xxx




No insurance (by Landlord ofthe Flies [TX]) Posted on: Oct 5, 2021 2:15 PM
Message:

When remodeling, may want to consider a water cutoff valve triggered by sensor under washer hose and add a threshold, watersealed tile floor around washer to contain leak before sensor detects. --108.69.xxx.xxx




No insurance (by myob [GA]) Posted on: Oct 5, 2021 2:18 PM
Message:

25K-- no way? maybe that's what your telling your insurance co to cover your deductible.

What ya mean the entire floor needs to be removed? like the plywood? NO way I've never heard of that? Sheet rock ceiling-- did the ceiling fall down? the whole ceiling?-- or a few pieces? are you doing the ceiling in the upper unit as precautionary? --99.103.xxx.xxx




No insurance (by Robert J [C]) Posted on: Oct 5, 2021 2:20 PM
Message:

My lease prohibits portable washers, dishwashers or dryer in apartments. Any my tenants must have renters insurance. So one tenant had their mother over for summer vacation from Mexico. She had some medical issues and wanted to run their portable washer that hooks up to the kitchen sink. She didn't check to make sure the drain line were clear and the children in the apartment put dirty dishes in the sink too. The water over filled the sink, flooded the kitchen and the downstairs kitchen and connecting living room.

The tenant upstairs didn't abide by the lease and carry renters insurance. They had a portable washing machine that I never knew about. They didn't like using the laundry room and using quarters.

My insurance had a $5,000 deductible. Since I am a contractor, I opened walls and ceilings. Removed carpet and the vinyl flooring. Dried out everything and sealed with an anti-mold primer. Drywalled, painted and re-did the flooring. All for $3,000.

The tenants refused to pay one cent towards the repairs. After the unit was inspected and passed also Housing, I moved to evict and sued in small claims court. --47.155.xx.xxx




No insurance (by Greg [SD]) Posted on: Oct 5, 2021 2:36 PM
Message:

Well the story just gets worse. Now the estimate is 'over 40k' no other contractors will come and take a look so it is take it or leave it. Totally getting ripped off with this.

Still waiting for insurance to return my call, but seriously annoyed with this estimate. At this point I just want my insurance to cover and then I can pursue the deductible reimbursement from the tenant. --69.84.xx.xxx




No insurance (by Greg [SD]) Posted on: Oct 5, 2021 2:36 PM
Message:

Well the story just gets worse. Now the estimate is 'over 40k' no other contractors will come and take a look so it is take it or leave it. Totally getting ripped off with this.

Still waiting for insurance to return my call, but seriously annoyed with this estimate. At this point I just want my insurance to cover and then I can pursue the deductible reimbursement from the tenant. --69.84.xx.xxx




No insurance (by Greg [SD]) Posted on: Oct 5, 2021 2:49 PM
Message:

Not sure how a LL would want to rip off the insurance if there is a possibility it won't even be covered. Just want an insured contractor with a good reputation to get in and get it done quickly, but not at a price that will break me. Only have had one even come look at the damage, and most won't return calls

The flooring was glued laminate and the water was about 2 inches all the way around the apartment. The entire top flooring will need to be removed with fans to 'air it out' to prevent mold and then new installed as well as 2" of sheetrock throughout the upper apartment. The sheetrock on the lower apartment ceiling will need to be removed, replaced, textured, and painted.

Even typing this out, the 40k estimate is making my blood pressure go up.

--69.84.xx.xxx




No insurance (by Greg [SD]) Posted on: Oct 5, 2021 2:51 PM
Message:

Robert J, Do you request a copy of renter's insurance?

Thinking I will ask for a copy upon lease signing or renewal.

--69.84.xx.xxx




No insurance (by Vee [OH]) Posted on: Oct 5, 2021 3:48 PM
Message:

Not only do you want a copy of the policy but you need to be an -interested party- so that if the policy lapses you have grounds for eviction for lease violation. --76.188.xxx.xxx




No insurance (by Paulio [PA]) Posted on: Oct 5, 2021 5:34 PM
Message:

Since nothing mechanical or electrical seems to be damaged, your materials cost should be pretty reasonable. So the rest of it is all labor. YouTube is free. You'll figure it out. Stop typing and start your demo. --50.107.xxx.xx




No insurance (by Hollis [MA]) Posted on: Oct 5, 2021 6:17 PM
Message:

BUT would renters insurance cove much anyway? I thought it only covered this tenants personal property,...would the downstaires tenant be ab;e to use THEIR renters insurance for their personal property,..I don't think that YOUR property (ceiling/floor would be covered) Am I wrong? --96.236.xxx.xxx




No insurance (by plenty [MO]) Posted on: Oct 5, 2021 7:02 PM
Message:

Materials are super expensive so I have no doubt it's costly. After moe dries out it maybe possible more can be saved than looks at first. Getting a contractor is difficult. Hopefully your insurance will not be difficult to deal with otherwise consider hiring an Adjustor. sorry, none I'd this is goin to be fast or fun. --172.58.xxx.xxx




No insurance (by Lana [IN]) Posted on: Oct 5, 2021 11:14 PM
Message:

Sorry Greg. A horrible story and just as winter is around corner. You did make my problem seem smaller by comparison. --216.23.xxx.xx




No insurance (by BRAD 20,000 [IN]) Posted on: Oct 6, 2021 12:51 AM
Message:

Greg,

25 still sound high. 40 is “I don’t want or need this job”.

Did you talk to the recovery folks like ServPro?

Upper stairs walls- consider cutting out the bottom 4 inches and cover it with 6 inch trim.

A ceiling of drywall is not expensive.

Get it all open and drying IMMEDIATELY. Mold starts after 2-3 days.

BRAD --73.102.xxx.xxx




No insurance (by dave [CA]) Posted on: Oct 6, 2021 2:47 PM
Message:

RENTERS INSURANCE has 2 parts -- liability and personal property.

personal property covers the tenants personal property

liability covers costs to others. Liability can cover personal injury to others or property damage as incurred to others,.....including the landlords property OR the property of OTHER TENANTS.

THE ''FINER'' areas of renters coverage might deal with leased furnishings, loss of use housing, the friends computer on the kitchen table of the tenant below, that got drowned, etc.

If you are not a LL who's been to this rodeo SEVERAL TIMES BEFORE,...hiring a public adjuster would be advisable

their cost is usually well worth the saving of aggrivation., time, work flow and net dollar proceeds.

your insurance company, or the tenants will be more inclined to respond to the PA. --172.250.xx.xxx




No insurance (by Homer [TX]) Posted on: Oct 6, 2021 3:02 PM
Message:

No matter what. Today you need to get

Several fans in both units and get some air moving! --66.169.xxx.xxx




No insurance (by Sisco [MO]) Posted on: Oct 6, 2021 3:35 PM
Message:

Remove floor covering, fans than blow out at floor level. Turn on the air conditioners - keep them running, get big dehumidifiers in there, leave them on for 1-2 weeks.

If carpeted- use shop vac and then elevate onto milk crates- more fans blowing under it.

Chances are this will dry it out. then some stain killing primer and paint.

--149.76.xxx.xxx




No insurance (by Sisco [MO]) Posted on: Oct 6, 2021 3:41 PM
Message:

I didn't read your follow up post stating that you have a lam floor. Obviously - remove it. Get the fans a dehumidifiers running ASAP, before you do anything else. --149.76.xxx.xxx




No insurance (by Greg [SD]) Posted on: Oct 7, 2021 8:26 PM
Message:

Update to the situation:

Humidifiers going, fans and AC running at full speed. Got a different bid, 21k. Took the bottom 2" of sheetrock off the upper unit to air the wood out. Will be lifting the glued down vinyl plank flooring in a couple of days. This was advised by the water rest. company.

Sounds like our insurance company will be covering, 10k deductible, which the tenant will be responsible for.

Bad situation, with slightly better outlook than when I initially posted.

Thanks to all for the advice. Never a dull moment with being a LL. Sad thing is, this was a model tenant who just made a bad judgement call. --69.84.xx.xxx




No insurance (by Nicole [PA]) Posted on: Oct 8, 2021 11:38 AM
Message:

...10k deductible, which the tenant will be responsible for. ...

snickering over here. perhaps "responsible for" but surely a check won't be coming your way ... if they didn't pay for insurance, they're never, ever going to pay $10,000 to you. --98.237.xxx.xx



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