Sorry for another tenant thread, but this is getting quite serious, and I am on my phone right now, I will edit once I am home this afternoon

Tenant calls me yesterday morning and says here bedroom flooded due to rain, go to property her entire bedroom is wet and some of the kitchen, I met a water/mold clean up crew there and we walk around back and see a large circle where an above ground pool used to be and happened to be crumpled up and thrown in the corner of the back yard. It becomes quite obvious that their above ground pool gave way, you could actually see where the water flowed and behind where the pool was, was completely dry and so were the areas where the water did not flow. The manager of the clean up crew was the first to point this out and it was pretty clear what had happened.

Besides lying that the rain did it, the tenant was very cooperative yesterday. This morning she called and said she does not want to stay there while they are cleaning up the water, and had somewhat of an attitude.

I called my insurance and the adjuster is going out to check it out, I hope to god they cover it, I also told the adjuster what the tenant is saying and what happened he was very understanding but it still concerns me.

The clean up crew is taking pictures of everything, so it is documented

Some of my questions-

is there any thing else I need to do with/for the insruance, this is my first time filing a claim for anything

Do I have to get the tenant a hotel? I was going to sugest staying with a friend, I am just hoping she is not sue happy.

I would suggest to ant land lords putting something about no above ground pools in your leases from now, who would of thought.

unless you have flood insurance, NEVER mention the word "flood" or "flooded". The pool may have leaked, broken, burst etc. All good words to use. But not flooded.

I know that pipe bursts, or water heater bursts, which cause water damage are covered. Ive never heard of an exterior pool causing interior water damage. Im afraid they might try to claim the flow of surface water from outside into the home is a flood.

SUCKISSTAPLES said:unless you have flood insurance, NEVER mention the word "flood" or "flooded". The pool may have leaked, broken, burst etc. All good words to use. But not flooded.

I know that pipe bursts, or water heater bursts, which cause water damage are covered. Ive never heard of an exterior pool causing interior water damage. Im afraid they might try to claim the flow of surface water from outside into the home is a flood.

I don't have flood insurance, my insurance agent is a close friend he told me the same thing. I explained to the adjuster as best I could without making it sound like it was rain or something else, he was very understanding and said he would try his best to get my claim approved, whether that holds any water(HA) we will see. Thanks for the reply sis I know its 7am where your at.

germanpope said:why isn't she getting the clean-up bill?

I suspect she'll get a nice letter from the insurance company.

blok said:...2. They don't pay a dime in rent, the government does, and its way above market rent...

lindylady said:Wait. She is section 8 yet ownes an above ground pool? Is teh above ground pool yours and part of the rental or did they put an unapproved above ground pool on your property? Is teh house insured for an above ground pool?Unattached / portable devices such as an above ground pool are rarely mentioned in formal agreements.

You might have issues with insurance if the pool was uninsured

Xnarg said:lindylady said:You might have issues with insurance if the pool was uninsuredAre above ground pools typically insured? I don't think so.
My impression is that they must be insured and that there must be a fence around the property for them to be legal. This impression comes from when I was looking at houses one of the houses had an above ground pool and my insurance agent told me it woudl be much more expensive to insure the house with the pool due to liability of someone hurting themselves on teh property or due to water excaping and causing damage

Regardless of whether she pays for the damage or not, I'd still laugh in her face and ask her who she thinks she's fooling.

I think the tenant should file a complaint with the Health Dept.