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In Reply to: Re: fire and personal property posted by Uh, no on April 03, 2004 at 16:16:57:
"Faulty" wiring is NOT an accident. However, in order for your landlord to be responsible in most states, he would have to be either the one who installed the wiring wrong, or knew it was installed wrong and should have corrected the problem.
Your only hope is going after whomever installed the wiring incorrectly, and that may be an uphill battle. A possiblity; contact the landlord's insurance company and ask to be informed if they determine anyone at fault in the fire. You may have to follow up regularly, and don't expect anyone to pay you tomorrow, but its cheaper and easier than finding an attorney to help you with a questionable case. I personally would give you that information if it were my case, but thats up to the company and adjuster involved.
The previous poster was correct as well; renters insurance is an important coverage you should purchase in the future. In general, a landlord is practically never going to pay you, nor is his insurance company going to pay you for your damage, unless they are proven to be at fault.
: That's what renter's insurance is for. Your landlord's insurance covers the physical building only. It is an ACCIDENT, which is why they make insurance available to both parties, to cover their stuff. It's not so much an issue of law as it is the mechanics of being insured.
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: http://www.geico.com/home/renters_coverage.htm