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I got a certified letter today from the insurance company saying that it was my fault, and I did say so to the fire department. It was pretty obvious.
Exculpating factor, if one is needed: there was supposed to be a smoke detector but there was not. It had been removed.
They have not yet filed suit.
Why does their insurance not cover me? I have a legal lease...If the owner was here, they wouldn't try to collect from him, would they?
Can you send me a sample letter to the insurance company?