Today, my fireplace caught fire. The landlord says renters insurance should cover it. The rental insurance says the landlord should. FML
Collection
Halloween
A failed costume, stolen candy and a very real scare: Halloween, the one night when fear is allowed.
Today, I had to call 911. Why? My fireplace caught on fire. FML
Today, my house caught on fire. After it was put out, I realized the damage wasn't bad, mainly smoke damage. I went to my parents' for the night because my house smelled. While there, I received a phone call from my neighbor. Apparently, my house caught fire again. It's now a pile of ashes. FML
Today, my boss told me to not burn the place down while she was outside. When she came back inside, I accidentally started a fire. FML
Today, my apartment burned to the ground. I was packed and ready to move out tomorrow. FML
Today, I woke up to a small fire on my roof, burning up small twigs and branches. The cause? Last night, I threw a sparkling firecracker up very high, only to have it blown onto my roof by the wind. It's going to take $2,000 to fix the damage. FML
Today, after I told my roommate last week she needed to find a new place to live because I thought she was psychotic, she set my house on fire. FML
Today, while attempting a DIY pest removal, one of our tenants lit a skunk on fire. FML
Today, my roommate found an eviction notice on our door for unpaid rent. Our apartment building caught fire and we haven't been living there for well over a month because it was legally unlivable. Today was our first day back. FML
Today, one of my roommates blew a fuse by running a personal heater on full overnight. I notified our landlady that I had to get a new fuse; she came over to pay me for it. Only as I heard landlady's horn did I see another roommate's girlfriend's car; she stayed overnight and isn't allowed to. Both roomies got evicted and blamed me. FML
Today, my husband, who repairs appliances for a living, repaired our dryer. One lot of wet clothes later, it caught fire and ruined the laundry room. FML
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Top comments
inkoseh 6
Renters insurance covers your belongings from damage or theft. Actual property damage is your landlord problem and under his insurance.
Bogrbon 27
Exactly this. The landlord’s insurance generally won’t replace your things damaged in the fire. His insurance should pay for the structure and if he doesn’t have it, that’s on him.
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Comments (5)
inkoseh 6
Renters insurance covers your belongings from damage or theft. Actual property damage is your landlord problem and under his insurance.
Bogrbon 27
Exactly this. The landlord’s insurance generally won’t replace your things damaged in the fire. His insurance should pay for the structure and if he doesn’t have it, that’s on him.
VintageReddress 13
The other two commenters are right - if the fireplace caused structural damage, that’s your landlord’s responsibility. Sounds like you may have to either withhold rent until it’s fixed or take him to civil court.
Wadlaen 24
But, isn't that sort of the meaning of fireplaces..?🤔
Heli0Sphere 2
To catch on fire? That’s usually the wood.
Heli0Sphere 2
To catch on fire? That’s usually the wood.
OfficialMrD 3
(Im an insurance agent) renters insurance only covers your personal belongings. Its the landlords responsibility to cover anything that has to do with the property