Anonymous
Anonymous asked in Business & FinanceInsurance · 11 months ago

Will renters insurance cover our negligence?

My wife and I have been renting our 2 bedroom apartment for the past 3 years. Earlier this year, we noticed water repeatedly showing up next to the tub and toilet in our bathroom, however, since when we saw it was after a shower, we assumed it was us not closing the shower curtain well enough. Fast forward to now and we are seeing some cracking in the drywall, as well as mushrooms sprouting from the trim behind the toilet. We realize that we are at fault for likely mold and water damage due to our negligence of not reporting this sooner. However, we were curious if our Geico Renter's insurance policy would likely allow us to claim this under liability? Our liability insurance says it will cover damages caused by us, but would that only cover accidental damage, or would or negligible damage likely be covered as well? Thanks for any help.

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  • 11 months ago

    That's what liability insurance covers you for, negligence. It doesn't cover you for willful acts.

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  • car253
    Lv 7
    11 months ago

    This water damage is the landlord's fault for not inspecting and maintaining the property. You are not at fault. Your renters insurance does not cover the landlord's building. The landlord's insurance covers his building, but not for neglect or long time leaks. Long time leaks also called "seepage and leakage" are not covered under any insurance policy. That is because it is a maintaince issue that should have been taken care of and it wasn't.

    No policy covers wear and tear or maintainance. So, if a pipe broke in the wall and caused damage then the landlord's insurance does not pay for the wear and tear on the pipes ( old pipes that break). The landlord's insurance only pays for the damage the water causes, warped floors, damaged floors, walls, ceilings, ect. Landlord's policy does not cover worn out pipes, no policy does.

    Your renters liability policy only covers you for things you are negligent for. You were not negligent here.

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    • car253
      Lv 7
      11 months agoReport

      Hunch is right. But good luck on getting Geico to pay for the damages. And, the damages may be under your deductible. You might just want to get some estimates or do the work yourself.

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  • 11 months ago

    So, liability is when SOMEONE ELSE wants to collect under your policy. Someone else - like the landlord - would have to sue you, for there to be a chance of your policy paying out. Otherwise, whoever is insuring the actual buillding, can try to fiel a property claim. Property claims are when you file under your own policy for damage to your own property.

    Many policies have an exclusion for wear and tear, or ongoing seepage and water damage. But your renter's insurance won't pay YOU, for damage to your landlord's property. For sure.

    • car253
      Lv 7
      11 months agoReport

      Good answer.

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  • 11 months ago

    Stop accepting fault for this. There is likely some other condition causing this...not just occasional water coming from the shower.

    You notify the landlord when you become aware...that's the extent of your responsibility.

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  • Annie
    Lv 4
    11 months ago

    Absolutely do not say you were negligent. The property owner should be checking on the property regularly and things like this are not renters' problems. The owner needs to pay for it or use his/her insurance.

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    • A Hunch
      Lv 7
      11 months agoReport

      Based on what we have been told even if the landlord was inspecting the unit, they wouldn't have seen any damage because the tenant is drying the floor....

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  • JJ
    Lv 6
    11 months ago

    You don t own it therefore it is not your problem, tell the landlord he will fix it.

    Source(s): Only an idiot would think it is your fault.
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  • 11 months ago

    No insurance covers neglect. And since you did not notice it and thought it was from taking a shower, your land lord should take care of it.

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  • Anonymous
    11 months ago

    Good question. I would change your narrative to avoid using the word negligence. And try not to imply it.

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  • 11 months ago

    Your individual policy is what matters. That said, I would never admit fault here. You honestly said it was a situation where you thought it was something else. The way you described it, it does not sound like you were negligent. Had water been gushing out of the wall for 6 months during every shower that would be a different story.

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  • Anonymous
    11 months ago

    Read your policy and see if there is an exemption for negligence.

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