Fire....

[Meg K.]

Hi,

The tenant caused a fire in the kitchen.  Thankfully no one was hurt and the house is still standing.  After all, i live downstairs.  My question is, who is responsible for the damage?  My insurance deductible is $2,500 and i've tried lowering it but you know insurance companies: 1) you can't lower it for at least 3 yrs after filing a claim 2) you can't lower it if you are about to file a claim.  This is the same high maintenance tenant i discussed in my previous forum.  Karma is a B....right?  Seriously, this was a scary experience considering i was out of town.  I just returned today and have yet to go upstairs and assess the damage.

Thanks, Meg