Tony Jefferson
New Member
- Jurisdiction
- New Jersey
We own an apartment and our tenant backed up the toilet (he tried to flush paper towels) and caused the unit to flood. This flood then leaked into the unit below us and that owner had almost $16,000 worth of damage. Our insurance policy on the our unit did not cover liability and thus wouldn't cover our tenant and the water damage. Our tenant didn't have coverage either. The owner with the damage filed a claim with her insurance company and now the insurance company through a law firm is coming after us for the full amount.
How do we fight this?
There are some strange points to this as well. The insurance company did a quote and it came to about $16k for all repairs to be completed. The insurance company told the owner they wouldn't only cover a certain amount (I believe 10k). She told us was able to have it all completed for less by cutting corners with the flooring company. Why is the insurance company coming after us for more than what they covered?
How do we fight this?
There are some strange points to this as well. The insurance company did a quote and it came to about $16k for all repairs to be completed. The insurance company told the owner they wouldn't only cover a certain amount (I believe 10k). She told us was able to have it all completed for less by cutting corners with the flooring company. Why is the insurance company coming after us for more than what they covered?