My question involves a condominium located in the State of: CT
i am new to this forum who has recently faced an issues with freeze damage caused by my tenant. The tenant left the unit and she left the heat at 45-55 per my verbal communication, she was gone for two days.. the temperature has been really low in the past few days..
Therefore there was damage caused by unit and to unit below. the association manager called me and mentioned significant damage was caused to downstair unit and i am responsible for $10K as part of their deductible and i have to pay for my own repairs it will not be covered by the association.
I have landlord coverage, and the estimator came and declined the claim. He said i was not covered because i don't have coverage amount.
I called my insurance agent he said i should be covered.. however he said it is my problem that the insurance company wont cover it..
we went back and forth.. he has $10k coverage for material and i argued why i would need coverage for 10k in my apartment when i only have appliance that are easy to replace. why would i not have structural coverage which should be the main personal i am getting insurance in addition to liability.
also why what is the role of the association, we are owners of the units and pay $220 per month, i did not sign up for $10k deductible. can i file an E&O against the insurance agent who claims i should be covered and apparently is not competent to know what is selling his customers..
How do i push back on the association for the $10k which was not my commitment and i would think that my monthly fee should cover condo assurance..
i am estimating $15k in total liability ($10k from association and $5k for my unit) maybe more..
is there any legal action i can take? anything against the tenant since the freeze damage was caused by her.
last statement association wants electrical bill from my tenant, should i be concerned.. there is nothing i see in them that can help make their or my case..