Landlords and tenants have different obligations when a severe storm damages a home in NC. Your renters insurance policy will be responsible for some of the damages, while your landlord’s policy will cover others. Lee Insurance Agency LLC can help you determine the appropriate coverage amount for potential storm damage to your rental home.

Landlords Are Responsible for Structural Damage

The insurance policy your landlord purchases for your rental home will cover the home’s basic structure. This means the owner of your home will be responsible for damage to the walls and roof caused by storms, fires, and other covered risks. Review your lease, as your landlord may assign some storm damage preparation tasks to you. Nevertheless, they are still responsible for the core structure. Yet, if damage occurs because your landlord failed to maintain the property, they may still be responsible for your personal belongings.

Tenant Responsibilities

Renters insurance provides key protection for personal property in your rental home. These include furniture, electronics, and clothing damaged by wind, hail, or certain types of storm-related water infiltration. If your home becomes uninhabitable due to storm damage, your policy will cover your hotel, meals, and laundry while the house is being repaired.

Flooding that occurs from storms or damage you may have caused because of poor maintenance is excluded. If you are concerned about potential flood damage to your personal belongings, you can inquire about adding a flood insurance rider.