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When Disaster Strikes in Mystic: Owner vs Renter Liability Responsibilities

A Resident’s Car Has Been Damaged by a Natural Disaster in Mystic

Major storms and natural disasters can cause many types of property damage. As a Mystic rental property owner, do you know what your responsibilities are in the event that your resident’s personal property is damaged or destroyed?

Some property owners may assume that the damage from a natural disaster is their responsibility, but both renters and rental property owners have liabilities when it comes to property damage. Knowing which liabilities are yours and which are your residents’ is an important step when recovering from a natural disaster.

For example, many rental properties contain one or more large trees on the exterior of the home. If a tree on your rental property falls during a storm and damages a vehicle belonging to a resident, who is responsible for the cost of repairs? In this case, paying for the damage is not your responsibility, and the resident’s auto or renter’s insurance should cover the cost of repairs.

Floods, wildfires, and tornadoes are other disasters that rental property owners and residents could face. If a rental property is damaged by a natural disaster, it is the property owner’s responsibility to ensure that it is fit to live in and to pay for repairs if it is not.

However, the resident’s personal property, including vehicles, and the costs of transportation, lodging, food, and other expenses incurred from evacuating are all the resident’s responsibility. If the property is repaired quickly, the resident may still be responsible for the terms of the lease and should have sufficient renter’s insurance to pay for temporary alternative housing.

At Real Property Management Hartford Metro/Greater New London, we help rental property owners like you identify what your responsibilities are after a natural disaster or another weather-related incident. Regardless of what nature brings, our property management services will help answer your questions about liability and see to it that your residents are accepting their share of responsibility. Contact us online or give us a call at 860-316-4388 to find out more and discover what we can do for you.

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. See Equal Housing Opportunity Statement for more information.