Mold in shower with tenants

[Jeyo Punnakottil]

I did some stupid stuffs,yea i know But i need some advice .Here is the story

Teanant is good paying and pays on time and takes care of property as if it is their own home. Tenant complaint of mold growth inbetween grout lines in standing shower which is fully tiled.She says it is hard to keep up and has to clean every week and still black grime grows.I went and inspected it and asked a handyman who came to property to fix another issue to take a look.Handy man told the tenant (instead of talking to me) that it is mold and whole standing shower needs to be torn down.Tenant panics ,makes a fuss and ask for a professional inspection.I ordered one and it came positive in standing shower and also in the cabinet adjusent to 2nd tub bath.I got 3 quotes to remediate it. 4300$ is the what i am looking at now .But i cannot remediate it with the tenants in there.I have to relocate them to a hotel .Do i pay for their hotel expense?? Shouldnt tenants Renters insurence cover for their hotel expense?i thought renters insurence covers for their hotel accomodation if property becomes inhabitable.Their renters insurence denys it and says i have to put it on my landlord policy.Should i make it a claim( the entire remediation expense+ tenant hotel expense) through my landlord policy? Or should i just eat it up and pay out of pocket?I have 5k in reserves saved up for a rainy day event on this rental.

[Michael Brattelli]

@Jeyo Punnakottil Personally I would just eat the 5k and not go through insurance because insurance prices have been going up like crazy and who knows how that could affect your policy in the long run. Make sure there’s an exhaust fan in there and also put it in a timer switch. Many people only run the fan while showering when in reality it should be running for at least 30 minutes after they’re done. Timer switch is a simple fix to make sure tenants are using it properly. That’s my opinion on the matter.