Renter's Insurance Question

[wcgcapone]

My neighbors pipes burst today, flooding my bathroom and bedroom. The complex called out a vacuum truck to take care of the flooding (Venturi if it matters). They cut out the carpet padding in the bedroom and the hallway that connets it to the bathroom. Now, my question is: My neighbor apparently does not have renters insurance (I was told when I moved in 3 months ago that it is required at all times to live here). There wasn't much in way of personal items damaged (my guess is only around $100). When I bought my renter's insurance I got the kind that would pay for any damages I caused, but did not cover my personal effects. What happens now? Am I just out my $ for whatever was damaged? Does the neighbor have to pay me, since the flooding started in her apt.? Or do I have to go after the complex (since it was thier pipe that burst)? Or does my renter's insurance pay since the problem did not originate here? Thanks in advance to anyone who can help me out.

[Sachin]

Because your neighbors do not have renters insurance and the amount of damage to you was very low, you're best off just to eat the cost. However, I would call your management company to make sure they will repair any damage caused to your apartment by cleaning up and by the flooding.

I would also get renters insurance that covers your personal property, damage you cause, damage that happens to your apartment and also covers you against injury caused by your apartment. All of this should be less than $100/yr.

Sachin

[Chicago1871]

Because your neighbors do not have renters insurance and the amount of damage to you was very low, you're best off just to eat the cost. However, I would call your management company to make sure they will repair any damage caused to your apartment by cleaning up and by the flooding.

I would also get renters insurance that covers your personal property, damage you cause, damage that happens to your apartment and also covers you against injury caused by your apartment. All of this should be less than $100/yr.

Sachin
My roomate and I have renters insurance up to $40,000 in damage to our personal property and we only pay $160 a year. It's worth having it just in case.

[servotron]

You've GOTTA have renters insurance, it's cheap as all getout. I think I pay 7-12 bucks a month and I'm covered for 60 grand in losses due to fire, theft, etc.

[crewcrazy17]

My neighbors pipes burst today, flooding my bathroom and bedroom. The complex called out a vacuum truck to take care of the flooding (Venturi if it matters). They cut out the carpet padding in the bedroom and the hallway that connets it to the bathroom. Now, my question is: My neighbor apparently does not have renters insurance (I was told when I moved in 3 months ago that it is required at all times to live here). There wasn't much in way of personal items damaged (my guess is only around $100). When I bought my renter's insurance I got the kind that would pay for any damages I caused, but did not cover my personal effects. What happens now? Am I just out my $ for whatever was damaged? Does the neighbor have to pay me, since the flooding started in her apt.? Or do I have to go after the complex (since it was thier pipe that burst)? Or does my renter's insurance pay since the problem did not originate here? Thanks in advance to anyone who can help me out.

What's the result? Did the complex cover your losses?

[wcgcapone]

They gave me $50. I'm still not entirely happy with either them or the insurance company thier in bed with though.