Tenant leaves stove on fire dept called
A tenant of mine in a multi family building left his stove on and then left for the evenIng. It burned a pot and set off the smoke alarms. Fire department was called and they broke down his door. Who is responsible for the expense of fixing the door and any associated costs for the fire department to come out?
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This is NOT why you have insurance. You have insurance for YOUR liabilities. Your tenant was 100% responsible for the loss and they need to make you whole. Hopefully you require renters insurance. If not, send the the tenant a bill and if they won't pay, consider eviction and use their security deposit for covering your losses.