Who Is Responsible for Fire Damage in a Rental Home?

Accidental fires from cooking or a candle often fall on you, the tenant, unless the lease says otherwise. Your renters insurance would handle the damage to your belongings and possibly the structure, depending on your policy. The landlord's insurance might cover the building, but they could seek reimbursement from you if negligence is found.

If the fire starts from a faulty appliance or wiring that the landlord knew about or should have fixed, the landlord is typically responsible. You should report any known hazards to the landlord in writing and keep a record. This helps clarify responsibility if a fire occurs.

• Report fire hazards to your landlord in writing
• Keep a copy of your lease and renters insurance policy
• Take photos of your belongings for an inventory
• Know your policy's coverage for fire and smoke damage
• Ask your landlord about their insurance coverage

Before a fire, make sure you have renters insurance. It is often required by leases and protects your possessions. Keep a list of your belongings and their value, and store it outside your home, like in a cloud account. This makes claims easier.

After a fire, contact your insurance company as soon as you can. Do not throw away damaged items until an adjuster sees them. If you live in Bonita Springs, keep your important documents in a fireproof safe. Also, notify your landlord in writing about the fire and the date it happened.

• Buy renters insurance before a fire happens
• Document your belongings with photos or video
• Keep receipts for major purchases
• Do not enter a fire-damaged home until officials say it is safe
• See a doctor if you feel unwell from smoke exposure
• Ask your landlord for a written statement of next steps