Home > Research Legal Advice > Landlord / Tenant > Dose a landlord have to have insureance on reatal property
Asked 12 months ago - Hamilton, AL
Flagmy daughter was cooking french fries and didnt pay attenion let the grease catch on fire... instead of waking us up she poured water on the fire so it spread... done a little damage who is responsable.... the landlord wont even come and look he sent me a message asking what was i gonna do about it, tried callin leaving notes on the door. all he has done is sent two people over here.. he said if he came it would just make him sick. i've been without a stove for over 2 weeks i have children. what do i need to do
Whether a landlord is required to carry insurance on rental property depends in large measure on whether a financial institution holds a note on the property, and, if so, whether it requires such coverage as a condition of the note/mortgage.
Focusing on your situation, generally speaking, a landlord is not responsible for repairing damages that were caused by the tenant or the tenant's family. Thus, if the stove no longer works because of the fire (which was caused by your daughter's negligence and, arguably, by your failure to properly supervise her), then the responsibility for repairing the stove to working order is likely yours, not the landlord's. If the broken stove is unrelated to the fire, then you need to clearly communicate that fact to the landlord, demand that the landlord needs to effect repairs.
If you have renter's insurance, you may want to consider self reporting the fire; once a claim is made, the insurer will investigate and should pay to repair the damage caused by the fire.
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