evacuated from rented apartment....what happens next?

[Magpie]

If a person was renting an apartment that was damaged by fire (not originating in their apt and not connected to them at all), and they had to move out for up to two months, whose responsibilty is their alternative accomodation? Does the landlords or mgmt company insurance pay for them to stay somewhere else, or are they expected to look after themselves?
Thanks

 

[lantus]

If a person was renting an apartment that was damaged by fire (not originating in their apt and not connected to them at all), and they had to move out for up to two months, whose responsibilty is their alternative accomodation? Does the landlords or mgmt company insurance pay for them to stay somewhere else, or are they expected to look after themselves?
Thanks

Alternative accommodation is typically covered under the block policy. You would need to get the exact details from the directors who will the sole and only point of contact with the block insurer. As a tenant you are not the legal owner of the unit and so the directors legal contract is with the unit owner. However they may out of courtesy deal with you. 'Assuming' the unit owner has paid all his service fees then he will be entitled to make a claim under the block policy if required for alternative accommodation and consequential damage for the internal elements (excluding contents) that fall under the demised property designation.

 

[Bronte]

As a landlord my insurance pays me if I'm at loss of rent, but they do not pay for my tenant's to live elsewhere.

I think most home owners policies pay for the homeowner to be housed elsewhere.

But I would imagin a tenant would have to have his own insurance, not sure if this exists.

But I guess if you are not renting the original apartment you stop paying rent and pay the rent wherever you have moved to.

 

[Magpie]

As a landlord my insurance pays me if I'm at loss of rent, but they do not pay for my tenant's to live elsewhere.

I think most home owners policies pay for the homeowner to be housed elsewhere.

But I would imagin a tenant would have to have his own insurance, not sure if this exists.

But I guess if you are not renting the original apartment you stop paying rent and pay the rent wherever you have moved to.

Its not as simple as using the rent to psy somewhere else since short term accomadation is both harder to secure and much more expensive than regular rental. Plus deposits required, etc, which is still with the landlord of the apartment.
Renters insurance covers contents, it cant cover alternative accomodation.

 

[Bronte]

What has the landlord said to you? He should pay you the deposit back so that you can find alternative accommodation. 2 months could be 6 months.

 

[lantus]

As per Brontes point should of clarified that yes this only typically covers the unit owner and the legal owner. Third party contracts like rentals would not be subject to the block policy or valid claims for anything including alternative accommodation.

Your landlord will need to sort this out and I would contact threshold and the PRTB ASAP to better understand your rights as a tenant in this regard and your landlords obligations. It may well be that the fact the property is uninhabitable renders any lease void.