Rented Accommodation Insurance

We are in rental housing and our ceiling has just fallen into the living room causing damage to some of our assets, such as TV, PS3, rug, sofa covers and pillows. We have provided a list of them to our agents, as well as photographs of the damage. However, the owner's insurance will not cover it because they say that the ceiling was too old and should have been replaced.

The agent, after assuring us that the landlord would have to reimburse us the cost of getting all the contents back to the state they were before the accident, now says there is no guarantee that we will get money the landlord for cleaning and replacement of our goods. And we do not have insurance content ourselves.

I was wondering if anyone knew that the owner is legally obligated to pay us or not?

Thank you!

No, your real estate agent "has no idea what they speak.

You're covered by your insurance for tenants that the owner has no liability for your belongings.

If you do not have insurance to cover damage, you can be the loss. However, you can talk to a lawyer to discuss if you have any legal actions available to receive payment if the owner failed to fix a roof that was in need. I'm not right, but it seems unfair if the owner fails to fixing the installation now refuses to pay damages to property. It should be properly insured to cover events like this.

No, no, it is legally obliged to repair the device to its original condition if not better, it is not responsible for your content, that is what insurance is for tenants. I'm sorry but you have no luck, so I'm a big believer in you can never have too much insurance.

If your landlord has his accomedation insured, it will only cover the building and the things that was declared when the insurance was purchased.

You really should have taken out insurance since the landlord is not responsible for your orders: - /

Yes they pay you babe, but you must go to the Citizens Advice Bureau or your local council to help you as soon as possible run they meet the heat or not to pay the rent for four months that's how it works.

Im not really 100% sure that legally, you are responsible for your own content, it is only necessary to ensure the building itself. However, he admitted even by one third, namely the real estate agency, being responsible, I feel almost certain that this responsibility is, despite the insurance does not cover it.

I mean, his duty to you as tenants to pay is to provide a habitable dwelling - whether the collapse of the ceiling, thats a) is not safe and b) not living now! I think his problem, he didn't keep the building height sufficient to be covered by insurance. Ergo, if the insurance would compensate you, its now his job to do.

If the housing agency are renegging on what they have said that I would take photos and list to a lawyer quickly, get advice and then go tell the agency you have done. Its amazing how quickly the threat of a lawsuit may change the minds of people! ;)

Try to give citizens advice a call, or council rental. Do not know if youre in Ireland, but if you are, the PRTB (Private Tenancies Board of rental) would be the guy to talk to. But Id def talk to a lawyer. Most places do a free initial consultation, and if you go to court, you can claim expenses.

Good luck - sounds like a nightmare!

JanetP you have not read the question correctly, they said they had no contents insurance. I regret to say that it is a question of T.