Cleveland, TN asked in Landlord - Tenant for Tennessee

Q: I wasnt thinking about sueing the landlords but the insurance company itself,

Im about 90 per cent sure they have a separt policy, what do u think???

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1 Lawyer Answer
Leonard Robert Grefseng
Leonard Robert Grefseng
Answered
  • Columbia, TN
  • Licensed in Tennessee

A: I suspect you do not have the right to sue the insurance company directly.

It's the landlords property, and as a property owner, the landlord owes a duty ( a legal obligation) to you and to any other tenants or neighbors to keep the property in good condition and to prevent damage to others. The insurance company isn't directly responsible for maintaining the property. However, the insurance company has an obligation TO PAY if the landlord/property owner is found to have neglected the property or failed to maintain it. The insurance company's obligation is to the landlord, not to you under a contract of insurance.

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