Fire Loss - No Rentor's Insurance

[amolg]

Thanks guys for you helpful replies...it gives me some relaxation..
When the owner insurance company called me, they told me that their private investigator investigated the site and told that i am responsible for the fire. But i told them that i didn't burn anything to cause the fire. Also the fire department still says its undetermined(i got the latest copy from them).
I am not paying any rent now...waiting for their action...i will let you know the update...

 

[Josh]

You could also to ask to see a copy of the investigators report. The fire department saying it's "undetermined" might not hurt, but it doesn't help. More likely than not they'd have to prove "beyond a reasonable doubt" that you caused the fire, which is extremely unlikely. The other component of this is that if you are too poor to afford $15/month renters insurance then I have a hard time understanding what exactly they think they'll get out of you financially and usually an insurance company can look at that part objectively.

 

[amolg]

i can afford $15/month but i was not aware of rentor's insurance type of thing earlier. Now i have rentor's insurance for my new apartment. The thing is that 5 months rent which comes to almost $3000 which i can't afford since i am already paying the current apartment rent. Also, the damages are almost $40,000 which also i can't afford.

 

[Josh]

i can afford $15/month but i was not aware of rentor's insurance type of thing earlier. Now i have rentor's insurance for my new apartment. The thing is that 5 months rent which comes to almost $3000 which i can't afford since i am already paying the current apartment rent. Also, the damages are almost $40,000 which also i can't afford.

My point remains the same. You're legal defense (which I doubt you'll even need to use) is "you can't get blood from a stone".