All Forum Posts by: Ana Vhan

Hi experts, I am hoping you can help me with my unique situation. We used to live in US until last year. We own a couple of properties there and now all are rented out. Since we are not in the country at the moment, we don't have an auto or a home where we have a home owners insurance policy. All homes have a landlord policy. 

I am told that to get an umbrella insurance, I need following,

1. to have a home owners comprehensive liability policy which is generally issued when you live in a home. 

2. need an auto policy

Both of these I can't get given that I am outside of the country right now. 

Any ideas on how I can still get an umbrella insurance ? Very much appreciate your help. 

Thank you!

We have had some really bad bully tenants and we want to write a review on them so the next landlords are careful. Where do you write reviews about tenants?

Thanks,

Ana

Thank you Matt and Curtis for your advice. Agree that we cannot retain any deposit. Is there any other way we can still get them pay for the repairs? We are so pissed off at these girls that we want to go to length to get them pay. 

Hello my fellow members, as always I post my question with great hope that you help me with your insights.

We had tenants(4 girls) for a year who just moved out from our  house in Kirkland(Washington state). We have been very sweet to these tenants - we rented them home when they had no credit history, we fixed every problem they reported(and they reported every small thing they noticed), we took care of them when the kitchen was non functional for a couple of days. Throughout the tenancy these tenants have been nothing but bullies and they have tried to take advantage of our goodwill. Now, when they left we noticed that a couple of things broken for which we charged them(garbage disposal $250 and sliding door screen replacement $150). We fee it’s fair. But they are arguing that there is no written checklist at the start of the agreement and thus we cannot retain any money from the deposit. Although we didn’t have a move in move out list at the start of the lease, we have all the communication from the beginning to prove that they reported every issue and we took care of it. What is the checklist they are referring to? We do have a proper lease agreement in place with right terms. Is that not enough? 

We are just so pissed with these girls that they are taking advantage of our nature and this one thing we missed. Is there any work around this? 

TIA. 

Ana

Hello BiggerPockets community,

First of all, I am very thankful for this community and the wealth of knowledge I receive here.

Today, I need your help. I am dealing with an insurance claim. The insurance adjuster is coming back with $5000 as his estimates where contractors estimates are in the range of $40-50K. 

I have started talking to the agent who got me this insurance and see if they can help negotiate a better $ amount. 

But I would love to hear from your other ideas on how to deal with this. Also, a couple of questions. 

1. Can anyone recommend any public adjusters in seattle area that you have experience with.   

2. Has anyone used the Washington state's Office of the Insurance Commissioner? Looks like you can complaint with them but has it been useful or just waste of time? 

Thank you for your help. Appreciate it. 

Ana