Damaged Tenant's Belongings

[Tina Thompson]

Hi there! If a tenant's belongings are damaged because of a large leak in the roof top AC unit which is obviously the landlord's responsibility... Who should file an insurance claim? The tenant under their renter's insurance or the landlord?

[Kyle J.]

The tenant should file a claim against their renter's insurance policy for damage to their own personal belongings.  A landlord policy likely doesn't even have coverage for a tenant's personal property.  My lease also states that my tenant's personal property is not insured/covered by me or my policy.