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Who Pays for flooding?

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lonely2009 posted 10/8/2013 09:47 AM

I live in an apartment unit and have a question.
An apartment two floors up recently flooded ( they hung something on the fire sprinkler and it triggered the water).

The flood impacted the common hallways and at least 19 units.

Does my renters insurance pay or theirs. What if they don't have rental insurance.

Ughhh.

Who pays for all of the damage.

simplydevastated posted 10/8/2013 09:53 AM

I believe it would be there renters insurance. However, if they don't have it that could be a problem. Call your renter's insurance company (if you haven't already) and see what they say. Also, the management company of your apartment complex may be able to assist in some way.

Good Luck.

PS. Who the hell hangs things off the sprinkler head?

Undefinabl3 posted 10/8/2013 10:54 AM

Renter's insurance is a 'Drywall to Drywall' type of coverage. So it will replace your personal belongings, but will not repair walls, doors, lighing fixtures, ect that are part of the actual structure.

The Apartment building's insurance will cover all the damage to the common areas, and any inside structure damage to the apartment's.

However, it is not like a homeowner's policy. You can not 'sue' the person's insurance to get money to pay for repairs.

I would also imagine that the person who did that will be sued by the apartment building and will have to pay back a bunch of money.

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