Refrigerator damaged when power cut to condo.

[Ed Soniat]

Who is responsible for the cost of replacing the refrigerator damaged when the power was cut off to a rented condo.

Our tenant reported that the power to her unit was cut off at an unsecured switch next to the meter while she was away for the holidays. The refrigerator is a total loss. We have no idea who turned it off or why. We do not think the power company turned off her service nor was there any system wide outage to our knowledge. The HOA is not aware of any reason the power would have been turned off.

We are replacing the refrigerator as soon as possible.

The tenant say their insurance will not cover it although I'm not sure it was presented properly.

It is under our insurance deductible.