Flood Caused Damage and No Renter's Insurance

timer Asked: Jan 2nd, 2014

Question description

Hi. I am a tenant in a rental building and due to a slightly opened window in the kitchen, the pipe behind my stove froze and burst, causing a flood that affected my apartment, the hallways, as well as two other apartment units. The landlord or building manager did not notify me of the incident until I had come home from holiday so that my furniture was misplaced everywhere in the process of their pulling off my carpets to replace. They have since replaced them. I do not have renter's insurance, and I am worried if I will be charged for everything, including any potential damages to other tenant's belongings. I sense that their reason for being able to charge us the full amount is negligence on my part. But our kitchen window had been left open all winter, and I had no idea that our pipe would freeze and be able to explode leading to a flood. What should I do?

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