How can I get my tenant's renters insurance info after they damaged my property?
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How can I get my tenant's renters insurance info after they damaged my property?
Have a tenant the intentionally made damage to my property, she has renters insurance but refuses to share, is their a way to get it?
Hello! My name is Dolan and thank you so much for contacting me! I just had a few quick questions for you: In what way did they damage the property?
She broke the oil tank and resulted in a big issue I will attach you the building department findings
[FILE UPLOAD]
I'm so sorry about that! Did you contact your own insurance carrier regarding this? Have they approved the claim?
I have started a claim thru my landlord insurance, the damages are as follows: New oil tank, oil cleanup and restoration, remove all carpets of the unit, and some more
As per the adjuster my insurance would cover all of these but we need to get the tenants insurance to avoid my premium to drastically go up and recoup the 5K deductible, he asked me to search for the tenants insurance.
Understood! So you're just wondering what your rights are here, correct?
I want to somehow lookup and obtain a copy of the tenants policy
Ok! Did you need to tell me anything else? If not, I can start with answering your question.
This is more less
I'm so sorry about this situation! I want to address your situation with a detailed response, so if you have any questions, don’t hesitate to ask because this law stuff can get complicated. So legally speaking, the law doesn't allow you access to the policy in this case. Not automatically. However, you could always demand this information. You could send a letter stating to her that this is negligence AND IF SHE DOESN'T PROVIDE THAT INFORMATION TO YOU THEN YOU WILL HAVE TO SUE HER PERSONALLY. Negligence simply means that there was a duty that the other party owed and they breached that duty in some way. What is most important is that it is proven that the defendant breached their duty of care because that is what mostly determines whether there is a cause of action. Basically, the question is, “Did the defendant’s actions fall below the standard of care for a reasonable person in a similar situation? And did the negligence cause damages?” If the answer to that question is yes, then there is negligence and you are entitled to financial damages (e.g. compensation for the loss or destruction of property/bodily injury).
You may want to consider writing a formal demand letter. You can use this template I drafted - https://www.contractscounsel.com/t/document-form-checkout/256 You can demand the information for the carrier and say you will sue her if she doesn't provide it.
Does that help clarify things? I want to make sure I didn’t leave anything out.
Makes sense and will try this way
You got it. I'm so sorry this happened! Nearly anything can be used as evidence. This is including, but not limited to, written testimony, oral testimony, text messages, photographs, videos, public records, police reports, medical records, etc. So save all your correspondence and try to keep it in writing.
Yes we are on it, we have so many records that proved this
Smart! If you have other questions, come on back!
Just as an update, it did work out and I got her insurance details.
I love that and I am so happy for you!
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