Water Leak At Rental Damaged Below Unit Whose Insurance Covers

[Vinson Lee]

Hi Everyone,

Wanted to see if anyone had any advice to share on how I should be handling this.  My rental property, which is a condo, recently had a water leak from the pipes under the kitchen sink.  The water seeped down and caused some ceiling damage to the unit below mine.  So far the bottom unit hasn't asked for payment or anything, but I'm sure it's a matter of time until they do.  My renters in my unit are supposed to have Renters Insurance based on my rental agreement, but I never verified if they got it or not.  Would something like this come out of their renter's insurance or is this something that would come from my own insurance?  So far I haven't contacted any insurance company yet, should I be contacting mine now, or should I wait.  Thank ahead oftime for your helpful advice!!