Both the tenant and the landlord have their specific responsibility in providing insurance protection (and subsequently, damages) as a result of a fire in a rental home or apartment. This means that both the tenant and the landlord have their particular responsibilities and rights when a fire occurs.
The landlord is responsible for the damages incurred by the building's structure and fixtures - including cabinets, countertops and plumbing. The renter or tenant, on the other hand, is responsible for the damages incurred on their personal property.
That means that if there is a fire that caused damage to the structure and fixtures of the apartment, the landlord will be the one responsible for having these fixed. The tenant will go to his insurance company in an effort to recover whatever loss or damage he has with his furniture, equipment, clothes and so on.
As for legal liability regarding on who caused the fire and the circumstances of the fire, that will be another issue.
When a fire occurs, you should:
Whether you are the tenant or the landlord, doing the three steps above can help you prepare to work with your landlord or tenant.
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