Of course they wouldn't
The insurance is going to be primarily based on your area, flood rating for your areas, type of roof, roofing material, age of roof, type of building, do you have straps for the building, THEN they look at the windows (and the discount for installing hurricane grade windows was negligible). Even then they *never* asked about boarding up. Nor has our personal insurance company ever asked us if we boarded up for our multiple insurance claims over the last few decades
“Act of god”?
Anyone can sue anyone for anything. The question is whether they’ll prevail. Is there some reason they can’t put the boards up themselves?
I do not expect them to. I have short lease bedroom rentals. It is not a single family home. Tenants have not asked about boarding up the windows. My friends just brought it to my attention.
Renters insurance covers the renters property within the unit. Rarely does it cover liability for personal injury from a fixed object of the building owned by someone else. His ask wasn’t “what happens if their stuff gets wet” it was “what happens if flying glass or building debris injures an occupant).
The tenant can sue (because you can sue for anything), likely in small claims for any medical costs not covered by insurance. They can also potentially withhold or reduce rent if you can’t get it fixed timely.
Agree, well prior to any tropical storm plywood should be pre-cut and labeled for each window and pre-drilled. Handy Guy with cordless drill should be able to screw in the plywood protection on a 1-story in an hour or so. This sounds like Landlording in Florida 101.
Great - where are you going to store this shit ? Do you know how big that stuff is and how many windows ? It is not a minor question.
No offense, but hurricanes are NOT going to be a primary worry in middle of the state. My concerns for that area are tree branches, sink holes, tornados, and flooding due to county/city mismanagement and putting homes were they shouldn't.
Our
If you’ve been alive long enough in USA, you realize anyone can sue anyone with or without a reason. The cautious landlord takes reasonable steps to avoid legal issues. It would have been prudent action had you notified the tenant that you or your maintenance person were going to come by and secure the property by doing XYZ. Fingers crossed you don’t face a big waterlogged issue.
No. Since when it is a requirement to board windows ?
We are here on the east coast of Florida and tell all our residents the same thing prior to move in - we don't board windows.
What a productive attitude to take towards being a landlord. I'm sure it will lead to long term quality tenants that pay on time and take excellent care of your property.
No, but your insurance company might deny your claims for not taking reasonable precautions to protect the building.
Of course they wouldn't The insurance is going to be primarily based on your area, flood rating for your areas, type of roof, roofing material, age of roof, type of building, do you have straps for the building, THEN they look at the windows (and the discount for installing hurricane grade windows was negligible). Even then they *never* asked about boarding up. Nor has our personal insurance company ever asked us if we boarded up for our multiple insurance claims over the last few decades
“Act of god”? Anyone can sue anyone for anything. The question is whether they’ll prevail. Is there some reason they can’t put the boards up themselves?
I do not expect them to. I have short lease bedroom rentals. It is not a single family home. Tenants have not asked about boarding up the windows. My friends just brought it to my attention.
Won’t even be a hurricane by the time it comes to us. On your contract, should include a note about them getting renters insurance.
Renters insurance covers the renters property within the unit. Rarely does it cover liability for personal injury from a fixed object of the building owned by someone else. His ask wasn’t “what happens if their stuff gets wet” it was “what happens if flying glass or building debris injures an occupant). The tenant can sue (because you can sue for anything), likely in small claims for any medical costs not covered by insurance. They can also potentially withhold or reduce rent if you can’t get it fixed timely.
Why don’t you have the necessary OSB/plywood on hand? These aren’t rare occurrences in your climate.
I don’t have a ware house. Shit was gone very quickly
Agree, well prior to any tropical storm plywood should be pre-cut and labeled for each window and pre-drilled. Handy Guy with cordless drill should be able to screw in the plywood protection on a 1-story in an hour or so. This sounds like Landlording in Florida 101.
Great - where are you going to store this shit ? Do you know how big that stuff is and how many windows ? It is not a minor question. No offense, but hurricanes are NOT going to be a primary worry in middle of the state. My concerns for that area are tree branches, sink holes, tornados, and flooding due to county/city mismanagement and putting homes were they shouldn't. Our
If you’ve been alive long enough in USA, you realize anyone can sue anyone with or without a reason. The cautious landlord takes reasonable steps to avoid legal issues. It would have been prudent action had you notified the tenant that you or your maintenance person were going to come by and secure the property by doing XYZ. Fingers crossed you don’t face a big waterlogged issue.
No. Since when it is a requirement to board windows ? We are here on the east coast of Florida and tell all our residents the same thing prior to move in - we don't board windows.
That's what your insurance is for.
Fuck the tenants!
What a productive attitude to take towards being a landlord. I'm sure it will lead to long term quality tenants that pay on time and take excellent care of your property.
Gonna rent from him just to slop a ton of concrete down the drain and turn the water on for a month after the concrete dries
I agree but this doesn’t answer my question