responsibilites as landlord and double insurance covered

2 Replies

I own a property in Florida. The apartment above me leaked water into my ground floor apartment. Plumbers report will say that the overflow drain on the apartment above me broke. My tenant, an attorney, was very upset and left the next day. I got him a hotel room where he is now. I have let him out of the lease and he is now in the processes of moving out and looking for another place. Today after several days the service company removed the big fans and the dehumidifiers from the apartment. Adjuster is coming tomorrow. What is my responsibility to the renter as far as hotel is concerned? What should I be doing at this point? I also have two insurance policies on the apartment both with a $1,000 deductible, each has some provisions the other doesn't. Thanks for any advice

Originally posted by @Michael Donohue :

I own a property in Florida. The apartment above me leaked water into my ground floor apartment. Plumbers report will say that the overflow drain on the apartment above me broke. My tenant, an attorney, was very upset and left the next day. I got him a hotel room where he is now. I have let him out of the lease and he is now in the processes of moving out and looking for another place. Today after several days the service company removed the big fans and the dehumidifiers from the apartment. Adjuster is coming tomorrow. What is my responsibility to the renter as far as hotel is concerned? What should I be doing at this point? I also have two insurance policies on the apartment both with a $1,000 deductible, each has some provisions the other doesn't. Thanks for any advice

 Michael, you do not have any obligation with placing your tenant, that's why tenants purchase Renters Insurance.  That being said, some landlords will try offer to put up tenants as a gesture of goodwill.

As far as 2 policies, once the insurance companies find out, one will be determined as the primary policy and handle the claim.

Please keep in mind, if you have 2 Property policies, it's unlawful to purposefully have duplicate coverage with the intent of filing duplicate claims.  So proceed cautiously and explain that it was not your intent to do so.  don't want to get an insurance fraud case opened with your name on it.