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rudy the bobcat | My house burned and i have no insurance. what do i do? |
I have a rental house. my renters left their dryer on when they left and when they came back a fire had started...which did not burn the house down....but did a lot of damage....lots of smoke......some roof....walls and etc.....
I had no insurance. Yeah...tell me how stupid i am... I did have it and let it lapse....
is there anything i can do such as sue the renters....get fha help.........or any other ideas..... |
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Margarita D
 |
A few suggestions--check with the renters to see if they had renters insurance if they did the liability portion of their policy will pay for the damage since they caused the fire by leaving a dryer on.
If they did not have renters insurance, unless you know for a fact that they have means (money in the bank, make a very good income, etc.) it would probably be a waste of time for you to sue them. You can do it and they will probably be found liable but you will then have to actually collect the amount either through obtaining their assets and or garnishment of wages--read long and drawn out!
If you have been without insurance for a few months and you have a mortgage, I would call the mortgage company and find out if they had forced placed coverage on your property. Forced placed coverage just means that the mortgage company has the option under the terms of your mortgage to purchase a policy that covers the home (usually only up to the amount of their mortgage) for basic coverage such as a fire.
The only other alternative is to refinance or take out an equity line to repair the home.
If none of these suggestions work, then I am very sorry but you just purchased one of the hardest lessons you will ever learn. Unfortunately you will also have a very hard time purchasing a policy since you have had an uninsured loss.
Good Luck |
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auntcookie84
|
I would love to know in which state allows homeowners to have rental property without insurance??? This doesn't sound right. Basically if you have no insurance, you are screwed. |
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wannabefree
 |
your screwed |
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Queen B
 |
If your renters had an insurance policy, you can go through that. if they did not, then you will have to sue them to get paid. even if you sue them, if they don't have any assets, you're probably never gonna see your money. sorry....lesson learned on the insurance |
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acermill
|
First, get a box of tissue and cry your eyes out. Then consider your legal options. Your tenants ARE responsible for the damages caused by their carelessness, and you can sue them for such damages. Whether they have sufficient assets against which to collect is an entirely different situation.
Another possibility is your mortgage holder, if you have a mortgage. Most lenders will require insurance from you to protect their collateral, and will 'force place' insurance if you let your own insurance lapse. Check out that avenue as well.
Also check to see if the tenant possibly held renter's insurance. If they did, you can sue the tenant and their insurance will kick in.
Beyond those possibilities, you can revert to the box of tissues again. |
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src50
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You're on the hooker unless you can sue the renters and collect something - probably a longshort. The FHA etc. is not going to help you for your own negligence. |
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Cindy
|
You can try to sue the renters. |
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mbrcatz
|
Sure you can sue the renters, if you think they did it on purpose. Likely, a judge isn't going to hold them responsible, but they might. Of course, you'll have to pay the lawyer out of pocket, and even if you get a judgement, you're not very likely to get any MONEY out of it - tenants usually don't have any assets, ya know?
No other ideas, sorry. You're self insured. Looks like you'll be doing the work yourself on weekends. OR, giving free rent to a handyman for six month while he fixes it up himself. |
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bbgirl
 |
why sue them?????
you are the stupid one who didn't have insurance.
why make someone else pay for your mistake???
yes that was dumb to leave the dryer running but even more dumb to let the insurance lapse.. |
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