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Fire & Water - Cleanup & Restoration

Who Pays for Fire Damage in Rental Property

10/11/2021 (Permalink)

apartment fire An apartment fire in Rolando, CA.

Who Is Responsible for Fire Damage in a Rental Property?

When an apartment fire occurs, the outcome can be devastating for everyone involved. The landlord may lose out on an important source of income and the renter may lose many of their personal possessions. It can also be confusing to figure out who is responsible for replacing destroyed personal items or paying for a fire damage restoration company in Rolando, CA. Although one party may be held accountable for costs if the fire is deemed their fault, in general, the landlord pays for damage to the structure and the tenant is responsible for damage to the contents.

The Landlord’s Responsibilities

No matter who is at fault for the apartment fire, the property owner will need to file a claim with their insurance company. If it is found that the tenant was responsible for starting the fire, it is the insurance company that will deal with the renter’s insurance company or, if they don’t have insurance, directly with the renter. In cases where neither the tenant nor the property owner is at fault, here is what the landlord is responsible for.

  • Paying their own insurance deductible
  • Contacting the fire remediation company
  • Pro-rating rent for the time the apartment is uninhabitable
  • Returning deposit to the tenant

The Tenant’s Responsibilities

Unless the landlord is found to be responsible for the fire due to negligence, it is the tenant’s responsibility to replace their own damaged belongings. If they have renter’s insurance, they should file a claim as soon as possible. If they don’t have renter’s insurance, they will have to pay for the following out of pocket.

  • Replacing or restoring personal property
  • Hotel bills or other accommodations while the apartment is uninhabitable

If the tenant is found responsible for starting they fire, they will have to pay for damage to the building as well.

An apartment fire is difficult for property owners and tenants, but it can be easier to handle when everyone understands their responsibilities. If a reliable fire restoration company in Rolando, CA, is brought in to manage the cleanup, tenants can even be back in their apartment in no time.

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