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Recent Renters Insurance questions

I don't understand when exactly do I need to give notice of

I don't understand when exactly do I need to give notice of leaving my apartment. My lease ended August 31st 2016 and I'm still in the unit but I want to move out beginning October.I want to make sure I'm not breaking the lease. To take into consideration:-I did not receive a written notice that I could stay,but the landlord kept accepting my rent payment (always on time by direct deposit)I had to pay for renters insurance directly to the Property Managemetn and never received any document regarding my insurance. I have been told that I need to pay again yearly insurance which I haven't done yet, because I want to move out and because I think the insurance wasn't handled correctly.The lease states the following:Absent some written agreement with Owner granting Renter additional occupancy time, Renter shall vacate the Premises at the expiration of the lease term without further notice or demand from Owner. If Tenant intends to vacate the Premises at the end of the lease, Tenant shall give Owner written notice of that fact at least 30 days before the end of the lease. Tenant shall be liable to pay all rent due through the later of : (a) the end of the lease term, or (b) 30 days from the service on the Owner of Renter's notice, or (c) the date renter vacates the Premises.(d) Expiration/Holdover/Death-NoticeRenter shall vacate the Premises upon expiration of the term of the lease without notice to vacate from Owner being required. Any holdover without Owner's consent shall be deemed a trespass and damages shall accrue at a daily charge equal to twice the pro-rated monthly Lease rent. A holdover with owner's written consent unless otherwise agreed, shall be a month-to-month tenancy subject to all covenants, and conditions of the Lease. A thirty day notice from Renter is required to terminate any such holdover tenancy. Renter's death shall not terminate any remaining rental obligation for the balance of the Lease-term but Owner, at Owner's option, may take possession of the Premises and re-rent them to mitigate any damages.In consideration of this rental, Renter shall obtain and pay for any insurance coverage necessary to protect Renter from any loss or expense due to personal injury or property damage, including but not limited to that caused by any act or omission of any party, including Owner or co-tenants, criminal act, war, riot, insurrection, fire or act of God. The amount of monetary damage caused to Owner by renter's breach of this agreement shall be deemed to be an amount equal to the amount of any loss sustained by renter by any such act or event and shall offset any claim by Renter against Owner. Tenant(s) agree to accept financial responsibility for any damage to the premises from fire or casualty caused by Tenants' negligence. Tenants agree to carry a standard renter's insurance policy.(a) Tenant(s) agree not to make any claims against Owner and will hold Owner harmless therefrom for any loss or damage to any personal property belonging to Tenant(s) or any of their guests or occupants or for any injuries to Tenant(s) or any of their guests or occupants and not to make any repairs at the expenseof Owner. Tenant(s) shall be responsible for obtaining insurance to protect against any such loss or damage.(b) Tenant(s) insurance shall contain a minimum of $300,000 General Liability Insurance.(c) Tenant(s) shall have the Owner and Rohcs Property Management Co. named as Additional Insureds.(d) Any use of Tenant(s) of the Owner's storage or garage / parking facilities shall be at the Tenant(s) risk and Owner shall not be responsible for any loss or damage.

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CalAttorney2

Attorney

Doctoral Degree

19,996 satisfied customers
My son is a graduate of New England Institute of Art. A

My son is a graduate of New England Institute of Art. A school now know for it's predatory enrollment practices having to forgive many student loans in certain instances. How ever my son stuck it out and got a degree in Photography in January 2016. He was able while a student and as an alumni to take out photography equipment from Student Ops for personal photography assignments and jobs.In May he worked a wedding and had several pieces of equipment that he had borrowed previously from the school as well some he borrowed for the wedding, a few days prior in his procession. To make a long story short, After a long day traveling and working the wedding he left all the equipment locked in his trunk over night at his apartment complex planning to return the equipment in the morning. The equipment was stolen from his car overnight. The apartment complex has had several car break-ins and motorcycles stolen over the past year, but my son didn't think it would happen to him as he had a covered spot that he rented. He filed a police report, albeit a few weeks later, and notified his renter's insurance company but at this point we do not know if they will cover any of the loss. Now The New England Institute of Art wants my son to repay them $22,000 within 30 days! We have reevaluated the prices the school says it would take to replace the equipment and come up with anywhere between $6,000- $8,000 less than they came up with to replace the equipment. All of the schools figures were for brand new equipment and the equipment my son took out was all used by many students for many years. He has no job presently and has only been working sporadically for 7 1/2 months. He is trying to pay back student loans and essentially doesn't have a dime saved.My question is: What can they do to him? How do you get blood from a stone? Also I would like to know if I as a parent who took out Federal Parent Plus loans to pay for his education, can be held liable as well?

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Gerald, Esq

Juris Doctor

5,288 satisfied customers
We moved into complex from out of state. Arrived and we'ree

We moved into complex from out of state. Arrived and we'ree given keys to apt not ready at alleast, had to find somewhere to stay from sat-Thursday. They had to change apt. Now we've found mold in vents, been to ER for breathing and anxiety. Had to stay else where for 2 weeks.. been looking for new apt. And getting sick while packing..The manager keeps saying that she's never seen anything like this in the six years she's been there. Just found out this weekend that they've been having lots of incidents with mold... and that they've paid for moving expenses for other tenants. This is stressful, financially, and being sick.. and there lied...

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Maverick

Doctoral Degree

6,784 satisfied customers
I was involved in an accident on June 20, I also paid my car

I was involved in an accident on June 20, I also paid my car insurance that day, they reinstated my renters insurance that day but not my car insurance, so I was not covered when the accident happened and I'm at fault. I also passed out prior to the accident. I don't remember anything till after impact. I had slurred speech, trouble with numbers and I could not move my hands to turn off my car. I am currently working on what happened to me, I see a neurologist soon and hope to have an answer as to why I passed out. I still have memory issues, worse than before. I don't know what to do. I live on a fixed income and have 3 kids which child support received is not enough. What should I do?

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LegalKnowledge

Juris Doctor

30,394 satisfied customers
Our son's basement apartment in the landlords house was

Our son's basement apartment in the landlords house was flooded with soiled water and everything was compromised.The lease is up in September. Serv pro put a few things out of harms way and bagged all his clothes into the garage. The apartment is being gutted.Most of the furniture is ruinedhe does not have renters insurance, and the landlord says she has no responsibility, otherwise incommunicado.She is holding last months rent and security.what are his rights?Waht are his rights?

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

47,090 satisfied customers
My landlord is charging me place insurance because they want

My landlord is charging me for forced place insurance because they want to see their Apartment Complex' name and PO box address in the Declaration Page as the interested party. On the current declaration page it specifies the apartment # ***** the address as the insured property. I've contacted my insurance carrier and they said that this type of matter should be between landlord and them. However in the meantime, the landlord refuses to drop the forced place insurance that they are charging. Is this legal?

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Loren

Juris Doctor

37,038 satisfied customers
I received a hand delivered notice today containing a letter

I received a hand delivered notice today containing a letter from a local attorney. The letter stated..."This letter is to advise you that this law office has been retained on behalf of the above-named client who sustained serious injuries as a result of an altercation with you on the above- referenced date.Therefore it is necessary that we have information regarding your homeowner's insurance coverage and ask that you please provide our office with the information requested by completing the enclosed form...etc."This is not a legal notice, just a letter requesting the information so that "legal action need not be taken against you."The altercation took place almost 2 years ago. No charges were filed. This is the first notification of any legal activity regarding the incident.Question... What do I do? Do I need legal representation prior to responding to the letter? Do I let an attorney respond? Just curious as to how to proceed.

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LegalKnowledge

Juris Doctor

30,394 satisfied customers
I work small rock quarry in California, have been there

I work for a small rock quarry in California, have been there almost a year. After about 3 months, I brought all my hand tools to the plant for us to use because almost all their tools were on a service truck that serviced their Mobil crushing plant which was off site. I told the plant superintendent that I had tools we could use and he said " that would be awesome, so I brought 3 tool boxes and a medium size gang box with my bigger tools and welding equipment. Shortly after, say maybe a month, someone broke into the semi trailer we use for storing our equipment filters and misc. Crusher parts, and my tools and stole a quarter of my tool. The quarry lost a snap on tool box, a large oxy and acy bottles,( used for cutting and welding metal ), a new cutting and welding set, and a small burned up Welder. We were broken into 2 more times and I lost over 18,000 dollars worth of tools, basically all the tools I owned. The police were called only twice and I gave a list of everything that was taken to the bookkeeper who works there, theirs and my tools. I was told that they would get with their ins. Company and get things straight. After almost 6 months and my asking about the money to replace my tools, they get a check for 10,000, waited another 2weeks then gave me 2,500, saying that there would be more, that they would take care of me. My question is, are they responsible for the total cost of my losses, and do I have grounds to sue if they don't cover them. Thank you in advance

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CalAttorney2

Attorney

Doctoral Degree

19,996 satisfied customers
Do I have a case here ? My landlord hired a contractor to work

Do I have a case here ? My landlord hired a contractor to work on the building I reside at which resulted in the building burning down . The contractor was unlicensed and working without a permit which resulted im his arrest . This individual was not charged with starting the fire but he admitted to it . A general contractor hired him to do the work . I did not have renters insurance . I lost everything I owned and three pets . Is it possible to get compensated ?

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Thomas Swartz

Attorney

Juris Doctor

2,688 satisfied customers
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