mbrcatz
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If the landlord doesn't live there, he does NOT have homeowners insurance. Homeowners is for OWNER OCCUPIED dwellings. He has a DWELLING policy, which may or may not cover glass. He also likely has a $1,000 deductible, or higher. So even if there's glass coverage, it's most likely going to be under the deductible.
You need to check your lease. Typically, glass breakage is the responsibility of the tenantk, but it should be spelled out in the lease. If it's not spelled out in the lease, and the glass was broken from the INSIDE, legally, it's going to be your responsibility. If it was broken from the outside, his. |
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regerugged
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Probably. But HO policies have a deductible, usually $500 or more. It is vandalism. |
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curmudgeon
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you should...ask him, but if not, you have to pay. |
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Michael F
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Unless you were required to have a renters policy, there is no liability and either the drunk has to pay or the landlord, goes with the business. |
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Stephen K
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A lot depends on the amount of damage, as you have a deductable to cover |
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mike1942f
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No. Homeowners typically only covers things with more than a 1% or 2% value, so on a hundred thousand dollar property, $1000-2000.
Besides he should have rental property coverage, not home owners and you should have renters insurance.
In any case, he is supposed to repair it, as you did not cause it and the only general rule of rental is that the landlord has to make it livable. |
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Expert Realtor
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You are not authorized to make a claim b/c you are not the policy holder.
Contact your landlord for the repair..your landlord is NOT required to file a claim if they are going to pay for the damage themselves...which they will most likely do.
Most homeowners/investors don't turn in petty claims to the insurance, they pay them out of pocket. |
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ash32b
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Yes |
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computerexpert
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This depends on the policy. Most policies have this kind of coverage. I would guess that it probably does and if it doesn't that it should. It isn't right for you to be forced to pay for damage you didn't do. |
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Insurance Rep
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If you are renting, then it would be best to contact the Landlord and explain the situation and tell him that you filed a police report. The homeowners insurance that the landlord has covers the home,however he has a deductible and it is ususally higher than the cost of the window. But you are the tenant so there shouldn't be a problem for you. |
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Samantha
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It depends on the policy. The deductible is probably more the the window cost so the landlord will probably have to pay. |
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Mike A
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Maybe. But most likely the cost of replacing the window will not exceed the landlords' HO deductable. And it's not in his best interest to file a claim for this as his HO premium could go up on renewal. |
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MichiganChad
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Check with you lease contract, this happened to me awhile ago and I had to pay to fix the window..... |
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ebosgramma
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Yes
If the landlord chooses to claim this on his insurance but the deductable may be more than the cost of repairing the window. |
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