tenant living without tenant insurance

[Pda]

my colleague had flood in his basement which he was occupying as a tenant. thank god everyone was safe but there was loss of content. The insurance is taking care the landlord as he had house insurance not the tenant what options my colleague has in this case as he also suffered a major loss but unfortunately he did not have tenant insurance.

 

[scylla]

If he didn't have tenant insurance then he's out of luck and will have to pay to replace all of his belongings on his own.

 

[Pda]

What about landlord what is his duties

 

[mrbeachman]

Landlord's "duties" are to make the unit livable again.

He is not responsible for replacing tenant's personal items.

 

[Pda]

but he was living in a property which was owned by landlord so should landlord insurance not cover tenant loss even if tenant forgot to take tenant insurance.

 

[scylla]

but he was living in a property which was owned by landlord so should landlord insurance not cover tenant loss even if tenant forgot to take tenant insurance.

No - the landlord is not responsible and the landlord's insurance doesn't cover this. This is what tenant insurance is for and the tenant is the one responsible for obtaining tenant insurance. If the tenant didn't obtain tenant insurance then there is no compensation for them available. Sounds like your friend has learned an expensive lesson. Tell him/her to purchase insurance going forward.

 

[Pda]

I think tenants have more rights than landlord. May be he can sue or pretend to if he does not help and get something out of landlord on humanity and legal ground.

 

[scylla]

I think tenants have more rights than landlord. May be he can sue or pretend to if he does not help and get something out of landlord on humanity and legal ground.

If he sues he will lose since the law is clearly on the landlord's side. Yes - laws tend to favour tenants. But in the case of contents insurance, the law is very clear and the responsibility is completely with the tenant. Your friend should just learn the expensive lesson, buy insurance to cover him for the future and move on. If he tries to pursue this, he'll just end up losing more money. The fact your friend was irresponssible and failed to protect his belongings is his fault.

 

[Pda]

I was just trying to think by being in his shoes but anyway you are right.