Real Estate Law
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ANSWER: Your homeowner's insurance will probably have an exclusion that does not cover this type of situation as this appears to be the negligence of the landlord; but there is no way to tell unless you read the policy or make a claim. As far as the LL is concerned, he does have a duty to provide you with a habitable unit and if he does not, then he is responsible for any damages caused by his neglect. California Civil Code section 1941 states that when a landlord rents property to a tenant as a place to live, the property must be in a "habitable" condition. "Habitable" means fit to live in. Section 1941 also states that the landlord must repair problems that make the property uninhabitable except for problems caused by the tenant.