Upstairs neighbor's leak destroyed my stuff. Who pays?
CAnewleaf20261 month ago
Water came through the ceiling. My laptop and books are gone. Whose insurance?
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✓ Verified answer from a licensed attorney — shown first
Layered answer. Your renters insurance (if you have it) covers your personal property — file the claim. They may then 'subrogate' against whoever was responsible. The landlord's property insurance covers the building, not your stuff. The upstairs neighbor's renters/homeowners insurance might cover damage they caused if they were negligent — your insurer chases that. If nobody has insurance, small claims against the negligent party for actual damages is the path. Save everything: photos, receipts, the building's plumber report.
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