|
|
|
Common Dreams Revealed
Common Dreams Revealed Here are the meanings of ten common dreams that people have: * Being Chased or Attacked * To dream that you engage in a fight, denotes that you will have unpleasant encounters with your business opponents, and law...
Cruise Review
The newest of Voyager class vessels, Royal Caribbean has introduced in December 2002 the Navigator of the Seas. One of four ships that can claim to be "the world's largest", complete with a roller blade track, ice skating rink, and rock climbing...
Discover the Llyn Peninsula
Stretching from the peak of Snowdon to Bardsey Island (or Ynys Enlli - the Island of the Tides), the Llyn Peninsula is a unique and beautiful part of North Wales, renown for its natural charm and mild climate.
So spectacular is its coastline...
How to Align Your Goals for Success
Success in Goals Set and Achieved is governed by 5 factors. Align Your Goals with these factors to Propel Yourself towards Success.
====================================== WORD COUNT: 1737 words
======================================
[This...
Put Down That pencil
You’re surrounded, commanded the booming metallic voice from outside. Give yourself up!
The occupant inside the barricaded room defiantly replies, I’m not giving up!
Moments later a squad a black uniformed men in combat boots burst into the...
Self-doubt: An Obstacle to Success
Reprint article in print or via the Internet with these requirements:
=> Keep article intact
=> Include byline with active link => Please send a courtesy copy of newsletter or URL to coaching@premeditatedlife.com => Ask for changes you'd like...
The Handbag
The first sentence of this article….
I have always been fascinated by handbags. They remain to the average man a complete mystery: one whose depth knows no bounds.
Important Notice to Readers:
Before embarking on the body of this...
The History Of Five Card Stud Poker
Poker has a long and indistinct history. Some hold that it originated in Persia as it closely resembles a game called As Nas and may have been brought to the United States via Persian sailors in New Orleans. This game was played with 25 cards with 5...
The Mutiny That Never Ended
Controversy has always surrounded the infamous tale of the HMS Bounty. But the latest comes from an unexpected source.
Controversy has always surrounded the infamous tale of the HMS Bounty. It’s most famous, ill-fated and final voyage began out...
The Ring - Step Back in History
The popularity of rings increased during the medieval period. People wore rings no matter if they were rich or poor. The most used materials in the making of rings are copper, iron, gold and silver. The class of the person was usually identified by...
|
|
| |
|
|
|
|
|
|
Water Damage In A Rental Unit
Biting her keys in her mouth, Phyllis jiggled the condo door open with her free fingertip. Peeking over bags of groceries, she stumbled through the living room and into the kitchen. Step. Step. Step. Squish......? Setting the groceries down, her line of vision shifted to her feet... now immersed in a lukewarm puddle of water, and as she scanned the room, she saw that her couches... chairs, and coffee tables were also about to set sail.
Frantically searching for the culprit, Phyllis became more and more frustrated. The sinks were turned off. The tubs were empty. The dishwasher wasn't on and it hadn't rained for weeks. Then she realized where it was all coming from. It seems that good ole' neighbor Joe Brown never felt it necessary to repair that kitchen sink leak. Why should he have? The leak never came in on his side of the apartment wall.
So now what? It wasn't her fault she had a new indoor swimming area, but would she have to pay for the damages? Allstate Agent Joe McLean says that she purchased a good renter's insurance policy, she would be covered. There are renter's insurance policies which protect you in the event of a bursted pipe, water heater, water bed, etc. With this insurance, you won't have to worry about replacing the pipes, carpeting, or your personal belongings directly out-of-pocket.
Unfortunately, Phyllis didn't have water damage specifically covered under her renter's insurance policy. She was therefore only reimbursed for the damage to her personal belongings, not for the replacement of the carpet, or the repair of the leaking pipe. If her neighbor had had coverage, his policy would have paid for the damage... but he didn't. For the next six months everyone pushed the repair costs on to someone else. The plumbers said it wasn't their responsibility any longer, Joe didn't care because it didn't affect him directly, and the landlord argued that according to the lease, he was only responsible for the exterior upkeep of the condos, not the interior. There wasn't even a security deposit for the landlord to take from. Meanwhile, the carpet began to
mold, and patience wore thin. In order to avoid going through the tedious small claims court process, Phyllis moved into another condo and away from the stress. The new owner eventually had to fork out the cost for repairs, and the problem was finally resolved.
According to nolo.com, if a neighbor is legally responsible to water damage you suffer, you may be entitled to:
* Compensation for cost of repairs and replacements.
* Compensation for expenses such as having to stay at a motel.
* Compensation for mental distress, if you have suffered an underlying physical injury.
* Reimbursement for medical expenses.
Punitive damages, if a neighbor acted maliciously. For example, if it could be proven that neighbor Joe rigged the kitchen sink leak up to specifically flood out Phyllis' living room out, then the court would not only compensate Phyllis for the damages, but may also order the neighbor to pay extra money to her as punishment for malice.
However, if neither parties have a renter's insurance policy covering water damage, you'll have to go to small claims court to get compensation, and sometimes it's not even worth the hassle. In order to avoid having to give in and pay for damages, or give up and go to court, it's important to invest in a good renter's insurance policy. Contact your local insurance agent to decide which policy gives you the most coverage.
Another moral to the story? When looking into rental property, it is incredibly important to scrutinize the lease. Some landlords state specifically that they will keep all electrical and plumbing systems in good, working condition, but others - as in Phyllis' case, only claim responsibility for the exterior upkeep of the complex. If you are already living in a rental unit and your manager/landlord does not take care of these things, you should definitely invest in a good renter's insurance policy to avoid future problems.
About the Author
Since 1989 dan the roommate man has helped 1000's of people find roommates. Need help? Contact him at 800-487-8050 or www.roommateexpress.com
|
|
|
|
|
|