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Dumbo | My business got flooded because of a bad roof, and I don't have insurance. What should I do? |
Should I get an attorney or deal directly with the landlord's insurance? |
 |
 
Shirley
|
First of all take very explicit photos or video of the roof damage itself, and any damage to product or machinery inside your office.
Talk to your landlord without making a final decision or commitment as to what their insurance policy covers.
If you are in doubt, or not satisfied, then talk to an attorney about the damages. And by the way, if you are out of business due to this roof incident, you need to note on a daily basis your losses.
If you have any documentation of any calls or e-mails you made to the landlord requesting the roof be checked or fixed prior to this flood, you need to document that as well.
Check out "handle on the law.com" for an attorney referral.
I hope I have helped you. I am not a legal expert, just a cautious person, myself. Good luck to you. |
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mbrcatz
|
The landlord's insurance isn't going to pay you a blessed thing, that's what YOUR insurance would have done - water damage due to damage to a roof.
Guess you'll have to hire an attorney. I'd expect you can get one with a retainer of $2500, at $250 an hour. Who are you going to sue? |
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mei-lin
 |
Learn your lesson and get insurance next time. The landlord isn't responsible for YOUR property, you are. Quit whining. |
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citronge69
 |
Try the sites below, make sure to change the location/state in which you work. The last site is an affordable way to get access to a TOP Law Firm in your State. |
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Jay
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If you are renting, you are out of luck. It is not your landlord's responsibility to insure your belongings. Unless you can prove neglegence, such as having notified the owner of the roof leak multiple times and they refused to fix it, then you are out of luck.
Learn from this mistake, and get insurance next go round. |
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smiling_freds_biz_info
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Get the Adjuster in to see what they'll do for you. (nice way)
Any hesitation etc...., get legal advice from Your lawyer. |
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Gambit
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This depends on what caused the leak. If it was from storm damage, a falling object, or some other cause which insurance would have covered, I'm afraid you are out of luck.
If you can prove that the roof was old and in need of repair or was damaged before you moved in, and the owner knew about the poor condition of the roof and never informed you (and you didn't realize the condition of the roof until after the flood), then you may have a case and I would therefore recommend consulting a lawyer. |
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