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tenants rights
The home i was renting was destroyed in a storm which caused a huge oak tree to crash through the house. I lost my place to live with no notice (obviously) and I lost all my belongings due to others stealing my belongings several days after the incident while. Both my husband and I were inside the home and my husband was injured.
The homeowner paid $6,000 for the house but recieved $65,000 from insurance. The landlord was so callous as to not even call to find out if we were alive or dead but he did take pictures for his insurance company. Is there anything legal steps we can take for compensation of our belongings, injuries, or the fact that we got no notice to move and were stuck paying for a hotel for a couple weeks and also other deposits for transfer of service and what not.
i would love to hear some facts to my problem. please only reply if you know for sure that I have a legal case.
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As to what the landlord may owe you from his policy would depend on what his policy covers. To find that out you would need to contact his insurance company. Many homeowner policy's cover injuries to others on the property so you may be entitled to some compensation for your husbands injuries.
If you did not have renters insurance and your landlords insurance policy did not cover your belongings then there is not much you can do to recoup any loss for your personal items. Again if his policy did not cover displacement he has no obligation to pay your motel bill. He should return any portion of your unused rent and security deposit.
If the tree was on his property a lawyer might be able to make a liability claim against him. You need to talk to a lawyer about this as these type of claims vary from state to state.
In the future if you are renting a home or apartment talk to your insurance agent about "Renters Insurance". These policies are relatively inexpensive and cover loss due to fire, theft and other natural causes. Most even allow a certain amount of jewelry without a specific rider so your engagement ring and any other valuable jewelry you have might be covered without the need of a jewelry rider.
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