[seriously]

Our basement flooded last Monday when the storms hit the east coast. We were getting ready to move (for May) so I had the majority of my belongings packed in the corner of the basement. Half is ruined. Our landlord called to let us know Monday morning around 10am, we had all left to go to work. He Sid he had stopped by early that morning when I talked to him in the afternoon to let him know it was flooded. I wish he would have let us know about the possibility of flooding prior. I do not have renters insurance. Is he responsible for any of the costs for replacement? Whould it be covered under his house insurance? Looking for any help. Thanks

[Tempe_Resident]

Did you have access to the basement? If you do, then I don't think there is much you can do. If you can go down there anytime, without your landlord having to give you access, then your belongings were your responsibility.
If your landlord needed to open the basement and wouldn't/couldn't come to let you in, then you might have something there and would want to talk to a lawyer.

[Gary]

No. Your stuff cannot be replaced at his expense. We've tried that and failed. We could have sued him if it was anything else. You also learn to ask questions like that.

Moral of the story: get insurance regardless of how much you think you don't need it.

[kimo kapaa]

I am sorry for your loss, but I don't see why the landlord would be responsible. Don't you have access to the same weather info he does, how close you are to a river, etc. ?

[Christiano R]

As for your belonging no...The damage is done and he is not responsible for you things....because you did not have rental insurance...But the damages that the basement endure does not fall on you either....you should get your security deposit in full.....as for his own house insurance you can ask him if he is willing to claim that the item damage where his and his insurance company will give him money to re compensate damages.. if he is will to commit insurance fraud, you can get some money back through him...but that is a very iffy idea

[Eruvadhron"LOE"]

Check your lease for what he might be responsible for -- it should have something in there about property damage. Most standard leases disclaim responsibility and require renter's insurance though.

However, everyone knows that basements can flood in springtime, so if you wind up in claims count, I don't think they will buy the idea of you being unaware of the danger. His home insurance might cover the damage, but if it's a rental property, it likely will have a clause about damage to renter's property that specifically excludes him from responsibility.

[Jason]

it depends if your landlord has an endorsement on his home owners policy to covers renters property.....even if he does ...the insurance agent will investigate to determine if any payment needs to be made for your damaged property.... you will have to ask your landlord....

[fisherman]

Your personal belongings need to be covered by renters insurance. His home insurance only covers for structural things.

Sorry. He's not responsible at all.

[gennsss]

Under his insurance just his building wear 7 tear or building damage is covered. If you did not have insurance find out from local authority they have several kinds of help for people.
He will get money for his repairs.

Once it happened in Longueuil, Quebec.Canada. It was just mild Storm. my basement tenant things got spoiled she had insurance where she was running home day care. for 15 days day care was closed her insurance company gave her money for that & all the things. It was only few streets where it hap pend we asked for damage from the city because the drains were not taking water. City replied they do not have to pay anything.

IF WATER CAME OUT FROM THE DRAIN IT WAS DEFECT OF YOUR CONDTRUCTION WHY IN YOUR DRAINAGE WATER LEVEL DETECTOR WAS PLACED. SO THAT WATER DOES NOT COME OUT FROM THE DRAIN AFTER A DEFINITE LEVEL