My apartment has smoke and water damage from a fire caused by faulty wires. Is the apt owner liable? i?
The owner of the building's insurance policy should pay to restore the building. They will not pay for any personal property you may have lost. Your property should be covered under your own renter's policy. If you don't have renter's insurance for your own property, then there would be no coverage for anything you've lost.
YES definately, good luck.
Of course, you do not own that building! They won't pay for personal losses, thats what renters insurance is for.
apartment owner is liable. However, how do you know that faulty wiring was the cause? Do you have proof of this?
Answer:
You need to check your tenancy agreement with what you signed. Generally speaking, the landlord is responsible for fixing plumbing and electricity problems within a reasonable amount of time. Faulty wires would come under this. However if you had tampered with the wires thus causing the problem, then the liability would be shifted. You would also need to pprove that the wires were at fault and that as a direct result of the faulty wires the damage occured.
If you caused the fire, you are liable. The apartment owner will file an insurance claim an then the insurance company will come after you for any money it paid to repair the fire damage.
If you did not cause the fire, the landlord is fully responsible. If he will not fix the place, you need to contact the building inspector or fire marshalls in your area, if you are living in dangerous conditions.
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