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Fire & Water - Cleanup & Restoration

Who Covers What Costs in an Apartment Fire

5/31/2018 (Permalink)

If the tenant or one of their guests caused the apartment fire, the cost of repairing structure damage becomes the tenant’s responsibility. However, even in this scenario, the landlord’s homeowner policy is vitally important. Through that policy, the landlord will need to coordinate the necessary property restoration and repairs. If the policy contains a liability portion, the landlord’s insurance company usually contacts the tenant’s insurance company for compensation up to the liability limit for the fire damage. 

In other cases, a fire might be the result of landlord negligence or factors beyond the control of the landlord and tenant. It will usually be the landlord’s responsibility to cover expenses related to repairing structure damage. While homeowner insurance may pay for structure repairs under a number of circumstances, it will not cover the following: 

• A tenant’s damaged or lost belongings (content damage) 
• Tenant relocation 
• Temporary housing for the tenant 

In the case of a fire resulting from something the landlord did or failed to do, the landlord may be obligated to pay a tenant’s hotel bills.

For more information, please visit us at http://www.SERVPROpottsville.com.

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