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We had a pipe break, renting some of our business was ruined. What does the insurance company do? Or is it my responsibility to take? And if some of the things that is full meaning to our family. (Chest my father for my son before his death). Can we do it? I did not really want to throw it away.

4 Thoughts on Renters insurance question.?
  1. Rob
    August 13, 2013 at 6:57 am

    if u have renters insurance = do
    contact your agent for b4 doing anything.

    once u have the check, here they pick it up.

  2. sylvia r
    August 13, 2013 at 7:10 am

    It would depend on what is covered under your insurance and the cause. Since your renting it should be your landlords responsibility.

  3. Someone Else
    August 13, 2013 at 7:12 am

    Renters insurance covers your “contents” for any covered loss. Assuming the pipe break was sudden and accidental, it is probably covered.

    Report this loss to your agent right away. Take many photos to preserve the evidence. At some point, you will need to make a LIST of everything that was damaged. Also include on your list the cost of the item and the age of the item. I suppose some of these items can be salvaged or cleaned up. Other items may be destroyed.

    Keepsakes are always more difficult. The items may have sentimental value to you, but may not have much “market value.” Certainly, you will want to salvage what you can.

    Your insurance adjuster will guide you through the process.

    Why did the pipe break? Did you cause this to happen? Were any other apartment units damaged? If you broke the pipe due to your negligence, and if water leaked to other units, others may have a liability claim against you.

    If someone else broke the pipe, like another tenant, then your insurance company will want to know about that. They may attempt to recover (subrogate) against the at-fault party for anything they end up paying for. Or if the landlord was negligent, they may have a claim against the landlord. (This may depend on the terms of your lease agreement.)

    For now, do not throw anything away until your insurance adjuster has examined it. But try to dry out everything you can to prevent mold or further damage to anything else.

  4. mbrcatz
    August 13, 2013 at 7:20 am

    The insurance company will try to clean/repair and try to return it. They won’t throw anything away without your permission.

    Don’t YOU throw anything away, until the adjuster has told you it’s ok. And take pictures first.

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