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Recent Renters Insurance questions

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

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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

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28,988 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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William B. Esq.

Attorney

Doctoral Degree

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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

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2,576 satisfied customers
On February 20th a speeding driver crashed into the

on February 20th a speeding driver crashed into the neighbor's brick mailbox. The bricks flew over into our yard damaging my parked car in the driveway. The driver deceased and passenger with major injuries. The deceased driver's Insurance will not cover car property damage because the Driver was not Covered or had made current payments. What are the next steps to Repair damages to Car?

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Marsha411JD

Doctoral Degree

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I live in Wisconsin, and on Dec 1st 2014 my son of 28 years

I live in Wisconsin, and on Dec 1st 2014 my son of 28 years old who is mentally ill started my apartment on fire and cause over 750,000 worth of damages, I did have renters insurance which covers 100,000 per. I was receiving letter from my insurance stating claim is still open pending court proceedings. Well my son has been sentenced to 5 years or behavorial health probation. He was not on my lease, he asked if he could live with me for a year until we got back on his feet. Never in a million years did I expect this. I am now engaged to be married at some point in time but... that is pending on my responsibility, How can I protect my future husband and his assists and savings.

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

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Is it legal owner of an apartment complex to make every

Is it legal for the owner of an apartment complex to make every tenant take out $100,000.00 dollars in renters insurance if the building is low income? The building is in Hixson TN and the owners have a loan from HUD

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Alex J. Esq.

Managing Attorney

Doctoral Degree

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I'm in a desperate situation I need help I rent a condo in

I'm in a desperate situation I need help I rent a condo in Napa California I woke up last Thursday to my entire condo underwater there is major damage in my condo I have no renters insurance I have been fighting on the phone with the insurance company asking who is gonna is going to pay for my damages I have been so distraught confused and don't know who I can trust I called the first attorney Rodney Jackson in Santa Rosa he has made me feel like I'm a charity case stated I guess I'll take the case but if I feel like I'm not gonna get much out of it then I'll drop you he only wrote a letter to the landlord I just drove to him after work he said I got plans so I got to make this quick I was cut off numerous time and made to feel like I'm just a couple bucks to him he said okok its a 60 40 split and like I said I could drop you I have not signed a contract yet and he also said that I'm gonna have to pay filing fee I was confused I'm living in a condo with out no way to cook or prepare a meal or wash a dish I just started a new job and I'm not able to rent a motel I have to save what I got for gas the landlord and I have had a oral agreement that I can pay my rent in the first and the tenth of each month but this month all on the 25 th my first payday she said no problem but now she is asking for rent from me and I'm not able to cook or even do dishes I have to wash in my bathroom sink I'm beyond upset I can't be belittled even more by a attorney who is suspossed to be on my side I am living in a home that has been declared uninhabitable by State Farm Insurance yesterday I feel I'm being tossed like trash there is massive damage and also servpro the landlord finally go here after I called to explain my desperate situation they are also very negelant they left the carpet with blowers under and tack strips still now exposed since last Sunday I feel and hurt my knee due to the 10 blowers every where that day I feel the blowers knocked my power out so I was in complete dark I tripped over blower and landed on my knees its a nightmare please I have so many pictures and videos and a lot more of this story

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Phillips Esq.

Attorney

Juris Doctor

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17,128 satisfied customers
I live in New York but own two properties in Florida:a condo

I live in New York but own two properties in Florida:a condo which is rented to one person for the year and a condo/hotel which is rented to various people during the year.My Florida insurance broker wants me to take an expensive HO6 policy on both properties, but I thought they apply only if the properties are owner occupied ? I thought I really needa DP2or3 policy on each (which I think is cheaper too). I just want to know I'm buying the correct type of policy.

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KJL LAW

Juris Doctorate

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860 satisfied customers
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