Renters and Landlords After a Fire: Who Does What
Responsibilities of renters and landlords after a fire, what renters insurance covers and what to document and communicate.
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Tell the operator your city, what happened and whether the fire department has cleared the building. You will be connected with a local provider that covers your area.
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- Give your city and ZIP code
- Say what happened and whether the fire is out
- Ask the company about its license and insurance
Quick answer
The landlord usually insures and repairs the building. Renters usually insure their own belongings and living expenses. Both should document damage quickly, notify their insurers and communicate in writing.
If you rent
- Tell your landlord or property manager right away and keep your notice in writing.
- Call your renters insurer. Policies typically cover personal belongings and can include living expenses if the unit is unlivable.
- Document your belongings with photos and an inventory.
- Ask the landlord about the timeline, any rent adjustments and the lease terms for a damaged unit.
- Contact the Red Cross if you need emergency shelter.
If you are a landlord or property manager
- Confirm everyone is safe and notify your insurer.
- Secure the property and arrange board up if needed.
- Communicate with tenants about access, belongings and expected timeline.
- Document building damage and coordinate with a restoration company.
- Review your policy for loss of rent coverage.
What the lease and local law may say
Rules on rent, termination and security deposits after a fire depend on your lease and state or local law. Check your lease and ask your local housing office or an attorney if the situation is unclear. This site provides general information, not legal advice.
Smoke damage in neighboring units
Smoke and water can spread beyond the unit where a fire started. Neighbors should also document damage and report it to their insurers and property manager.
Sources and further reading
- American Red Cross: what to do after the fire department leaves
- NAIC: Find your state insurance department
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