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Hello and welcome! My name is ***** ***** I am a licensed attorney and will try my best to help with your situation. There may be a slight delay in my responses as I research statutes or ordinances and type out an answer or reply,but rest assured, I am working on your question.
What was the source of the flood?
Was it something that you were responsible for?
Is the property uninhabitable or unusable due to the flooding?
Ok, then you are under zero legal obligation to pay for anything here.. if the landlord didn't have adequate insurance to cover any losses, that is his problem and if you suffered damages, it would actually give you legal grounds to sue him...
But if the property is not usable in its present condition, he is in breach for failing to provide a habitable property as required under the lease contract and you would be fully within your rights to terminate the tenancy, move out, and then sue him for your moving costs and a refund of any rent paid while it wasn't usable unless he put you up in another building that you could use.
As an aside, in addition to being an attorney, I have also been a landlord for over 26 years...
Ok, then no, if he has put you back in possession, that changes things because he has cured his breach. So with that being the case, your recourse here is to sue him for the rent that you paid when you were displaced unless he provided an alternate building.
But you are still not liable to pay for any damages that he sustained and couldn't pay for because he has no insurance.
The time to break the lease would have been while you were displaced as he would have been in breach of contract then..
As for him entering, you can put him on notice that you require at least 24 hours notice before any entry or you will consider that a violation of the lease and terminate based on his violating your right to "sole use and possession".
Ok, then you can definitely sue him for any rent you paid while displaced and for any provable lost income during that period.
But if the place is back to usable, then you wouldn't have any grounds to break the lease now, just to sue for damages.
That could very well work... If you were suing for XX thousand for a refund of rent, any property damages, and lost business income due to the landlord's breach, he might very well agree to just get rid of you to keep from getting sued..