Flood insurance for rental

[Mark Ham]

What will the landlord be responsible if the property is flooded?  The renter will have rental insurance, but I dont think that covers flood.  So, if the property is flooded, what consequences/responsibilities do the landlord have?

[Kyle J.]

@Mark Ham If you’re asking if the landlord would be responsible for the tenant’s belongings if the home were to be damaged by flood, generally no. However, you really should have something in the lease that addresses this. For example, in my lease, I have a clause that reads (in part):

“INSURANCE: Tenant’s or guest’s personal property and vehicles are not insured by Landlord, manager or, if applicable, HOA, against loss or damage due to fire, theft, vandalism, rain, water, criminal or negligent acts of others, or any other cause. Tenant is advised to carry Tenant’s own insurance (renter’s insurance) to protect Tenant from any such loss or damage.”