My First Insurance Claim/Leak Detectors

[Nathan Lesko]

I'm having to file my first insurance claim in 15 years of owning 8 rental properties. The tenant accidentally left the water on in an upstairs bathroom sink that was clogged (never notified me). 5hrs later when returning home the water had cascaded through the laundry room ceiling. I'm in the beginning process of all this. The tenant has renters insurance which I doubt covers this. How do I hold them responsible at least for my deductible? On a side note is there such a thing as leak detectors that could notify me? I know of plain audible ones and wifi enabled ones, but the tenants provide their own internet service. Is there a leak detector that can send a text message using cellular technology?

[Chris Seveney]

@Nathan Lesko

There are leak detectors that will cut the water supply off - which are used for hot water heaters, dishwashers and washing machines

Typically not on sinks because they are super sensitive and any water may shut off the water to the faucet which will be a maintenance nightmare

In this instance you can’t fix stupid. Most lease agreements have clauses like this that they are responsible and your insurance will determine whether to go after their insurance