Asked in Landlord - Tenant and Civil Litigation for Rhode Island

Q: Ground water is coming through the floor for last 3 weeks a few days after it rains heavily. Revters insurance doesn't

Renters insurance doesn't cover flooding or Ground water. although water recedes the mildew smell which may be mold has made it uninhabitable. I have not slept there since Dec 23 2023 as it took them 6 days to respond to my call I've been paying hotels out of pocket and have no means to pay for Clean up. Am Ii liable to pay for it

1 Lawyer Answer
Tim Akpinar
Tim Akpinar
  • Little Neck, NY

A: A Rhode Island attorney could advise best, but your question remains open for a week. If their response is in compliance with the terms of the policy, it isn't necessarily "Bad Faith," one of the posted categories - it might be more of a coverage issue. If it should be a covered loss under the policy, then a local attorney could advise about the most cost-effective approach in challenging the denial. Also add "Landlord-Tenant" as a category - attorneys who practice in that area would have better insight into this than general Real Estate attorneys. Good luck

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