Q: My 93 yr old mother lives in a senior apartment. She has renters insurance. Who is responsible for accidental damage?
A sink overflowed during the night. We speculate that she got up in the night, got a drink, and turned the knobs up instead of off. She doesn't remember. Now the apartment is saying she is responsible for the damage. Her insurance is saying that they don't cover her liability to her apartment. We certainly weren't told that by our trusted agent when we purchased the policy. Apparently that is on page 12 of a 20 page document that was not provided to us until well after we purchased the policy. What recourse do we have?
One possibility, if the apartment is willing, would be to look into whether their policy would cover the loss. They are likely to have a more comprehensive policy that covers a greater range of losses. However, choosing which route they would use to pursue recovery is something in their hands. Good luck
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