Q: Storage facility not wanted to pay insurance claim
My storage building caught on fire I was behind on my payment I called for a payment arrangement they gave me til the first mean time my storage building caught on fire and the storage facility refuses to pay my claim statrng I didn't have coverage at time . Amarillo Texas
A:
Generally SELF-storage companies are not liable for any loss or damage to property stored by their customers in the customer's self-storage units simply by virtue of the relationship. A self-storage company can be liable if the customer can prove the company either intentionally or negligently caused the loss. Sometime, the company and customer agree in their contractual agreement that the customer will not hold the company or its employees responsible if they negligently cause a loss. Such agreements are enforceable in Texas. If the loss was caused intentionally, however, a contractual agreement between the company and the customer before the loss will be unenforceable.
Some self-storage companies offer their customers casualty insurance on the property stored in their unit. Typically, the premium for such insurance is collected monthly along with the customer's rent. If the customer fails to pay, as with any other insurance premium, the insurance may not cover the property against loss. If you purchased such insurance, you should carefully read the terms and conditions of the policy to see if coverage is suspended if you fail to timely pay the premium. If you do not understand the language of your policy, you should take a copy of your policy to an attorney in or near the county where the storage unit is located with experience in contract law and/or insurance coverage law.
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