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I'm renting a house. Sump pump failure caused damage to my personal property. My renter's insurance paid the claim but........

Rahway, NJ |

They only paid up to the maximum amount available on my policy . This payment only covered about 30 percent of my provable losses.

Is the landlord ( or his homeowners policy) responsible for the rest? If so- what is the best way to expedite credit for this? Ask him to submit a claim to his insurance company or ask for rent abatement due to the malfunction of HIS equipment? The landlord has a track record of ignoring home maintenance issues and doing shoddy repairs without permits and often without licensed professionals when required by law to do so.


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Attorney answers 3


How did the sump pump fail? Bad unit or power failure due the hurricane Sandy? If it was due to Sandy I do not think you will be successful in suing your landlord. If a bad unit then contact a local attorney.

Good luck.

DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.


Can you show that the sump pump failure was LL's fault or he was aware of the problem?


A LL is not responsible for your personal stuff. Moreover, if the pump did not work because of lack of power it was out of your LL's control.