ohari1
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The electric company's terms for offering the service almost certainly specifically state they're not responsible for this.
Your homeowners' policy probably does too, since you don't live there...When we were renting out our house there was no coverage available to us as landlords that covered tenants' personal property, that's what renters' insurance is for.
Renter is out of luck. |
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Jeff
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You can't expect to get anything.
You should have bought a surge protector. |
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fourofsix2003
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nothing you can do about it either,i lost EVERY electrical appliance I had in a rented apt years ago whe florida power and light had a surge,and i ended up paying for replacements out of pocket. |
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JustMe68_86
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Your homeowners insurance will not pay for tenant's belongings. Once a tenant moves into your house, your policy becomes a Dwelling policy covering only the structure itself.
Your tenant has the responsiblity to get renter's insurance to cover his belongings, which Im assuming he did not due. He needs renter's insurance - say the house burned down tomorrow. Dwelling/Fire policy will pay you for the structure but not for his belongings. If he has renter's insurance, he will be covered for his belongings. If he does not, then he is just out all $ and will have to replace himself.
I doubt going to the electric company will resolve in them paying for any damage. Electrical surge's are out of their control - its just a part of electricity. Your tenant should have a surge protector attached to his computer between the electrical plug & the house. If he did, and the surge fried the surge protector as well as his computer, he can call the mfg of the surge protector. They usually gaurantee their protectors to protect your computer up to X,000 dollars. Of course they will probably have him send in the fried surge protector as proof. If he chose not to purchase a $25 dollar surge protector to protect his expensive computer, then that was his neglect.
Speak to your insurance agent. Every state has different laws. Speak to your tenant and stress to him how important it is that he carry renter's insurance to cover his belongings (including his computer). |
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acermill
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Your homeowner's insurance isn't going to cover possessions owned by the tenant. It's the tenantresponsibility to have renter's insurance for such situations. Standard procedure is to deny such claims, since it's next to impossible to prove that this surge caused the issue involved.
Your tenant is on his/her own on this one. (Apparently your tenant has never heard of a quality surge suppressor ?) |
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Carl_the_Truth
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This is why they sell surge protectors....A mother board does NOT cost $700 ! You don't have to worry about this as it was beyond your control. It all depends on why it happened. If it was because of human error, they will have to pay. If it was an unavoidable accident, the person is out of luck. |
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MSAD
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Your tenant should have a renters policy to cover his belongings.
If does not have a renters policy - it's his loss. Not your responsibility. If he did not purchase a renters policy then he made the choice that if his property was damaged he would absorb the loss himself.
Your landlord policy most likely would not cover his contents/ property.
The motherboard is your tenants problem - not yours. He can file with the utility company and deal with them. |
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mbrcatz
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YOUR homeowners policy covers your owner occupied home - which it isn't. Your dwelling fire policy doesn't cover stuff owned by your tenant.
Your tenant's renters insurance policy would be the one to cover it.
The utility company isn't going to pay anything, even if the tenant files or complains. They aren't responsible, period. If this guy had a surge protector, it most likely wouldn't have happened.
Your tenant is out of luck. Now go talk to your agent, and make sure your home is properly covered, so YOU aren't out of luck if you have a building or liability claim. |
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peilthetraveler
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Yeah, i have to agree...even a top of the line motherboard doesnt cost 700 dollars. Maybe 200 dollars max. |
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annazzz1966
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Your tenants fried computer is not your problem. Tell the tenant to take up the issue with the utility company. |
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ab dominance
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it happens all the time, and they pay regularly. notify the newspaper, attorney general, town council, senator, congressman and your electric company president that you will not be denied, upon nonpayment. make holy hell for them.
it is their fault and they know it. good luck. |
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src50
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Some utilities will pay claims if it is a verifiable malfunction to their system that caused the damage. Check with the electric utility for procedures. |
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