Hi, I am renting an apartment unit in Pittsburgh, PA, and it was damaged by a fire at a neighboring unit. I did not purchase renter's insurance (not required per lease agreement) so I am wondering...
1 - am I liable for the damages to the unit? (I don't believe so, since the fire started at another unit?)
2 - is my landlord liable to the damages to my belongings? (I don't believe so either?)
3 - is my neighbor liable to the damages to the unit and my belongings? (I believe so?)
4 - is there a way to receive compensation for damages to my belongings given the fact that I do not have renter's insurance?
Many thanks in advance!