Liability for Delays - Loss of use

[David Green]

We had a small fire in the common area of our association that caused damage to all six units.

Some owners decided to take advantage of the situation and add on minor renovations to the repairs.

The insurance company (Erie Insurance) recommended that we hire (Perfection Restoration). Long story short, the repairs took over 10 months to complete. All my unit required was paint and cleaning.

Loss of use was not covered under my renters policy since the unit was not occupied at the time of the fire and I had it under contract to sell.

I was wondering if the association, owners, insurance company, or restoration company were liable for the excessive repair time?

I had to eat over 20K in losses due to this fire.