Tenant Policy – Temporary Relocation for 6-8 Weeks
My partner and I have lived in our apartment for five years, and about a month ago, we discovered water leaking up through the floor. We promptly reported this issue to our landlord.
Today, the landlord’s insurance adjuster and contractor visited to assess the damage. At this stage, the cause of the issue remains unclear. However, they indicated that they would need to dismantle the kitchen to identify the source and determine coverage for the homeowner.
In the meantime, our tenant policy has suggested we file a claim. They advised us to find temporary accommodation during the kitchen work, especially since we have a 6-month-old baby and are concerned about dust and mold in the area.
My main concern is that this might be a slow leak, which may not be considered a covered loss, or it could potentially relate to a foundation issue. I’m also wondering what the standard procedures are for relocation coverage under tenant policies. We know our limits for this coverage are around $14,000.
I’d appreciate any advice on how to navigate this situation, as it’s quite stressful, especially with no family nearby to help (we’re located in British Columbia, Canada). Thank you!
I understand that navigating a situation like this can be stressful, especially with a young child and the uncertainties involved. Here are a few steps you can take to manage your claim and the relocation process:
Review Your Tenant Policy: Start by carefully reviewing your tenant insurance policy. Look specifically for sections related to relocation coverage, loss of use, and what constitutes a covered loss. This will help you understand your rights and the extent of your coverage.
Document Everything: Keep a detailed record of the water issues, correspondence with your landlord, insurance adjusters, and contractors. Take photos of the damage and any areas affected by dust or mold. This documentation can support your claim.
Communicate with Your Insurance Provider: Reach out to your insurance company for clarification on what is covered under your tenant policy regarding relocation expenses. Explain your situation and the potential health risks for your infant due to exposure to mold or dust.
Ask About the Cause of the Damage: While you may be concerned about potential slow leaks or foundation issues, it’s important to establish whether the necessary repairs fall under your landlord’s responsibility or if they are indeed covered by your insurance. Clarify these points with both your landlord and your insurance adjuster.
Consider Temporary Housing: If recommended by the contractors or insurance adjusters due to health concerns, you may want to look into temporary housing options. Check with your insurance provider how relocation costs are handled and whether they will reimburse you for any expenses incurred.
Seek Local Resources: Since you mentioned you don’t have family nearby, consider looking into local resources or support groups for people in similar situations. These may provide temporary housing assistance or emotional support during this stressful time.
Consult a Legal Professional: If you find it challenging to navigate your rights and responsibilities, it may be worthwhile to consult a lawyer who specializes in tenant rights in British Columbia. They can provide guidance tailored to your specific situation.
Remember, you’re not alone in this, and many have faced similar issues. Stay proactive and advocate for your needs and those of your family throughout this process. Good luck!