[RPPTL LandTen] Renters insurance issue

Wed Mar 11 08:18:14 PDT 2015

I don't want to go off topic, but along the same theory as the insurance
pass through, what prevents a residential landlord from prorating and
charging tenants for other common area expenses, such as utilities and pest
control.  I believe the pest control question as a pass through to
residential tenants being a topic on the listserve  and if I remember
correctly the general consensus was that it was legal just not a good
idea.

Cardet Law, P.A.
1330 Coral Way #301
Miami FL 33145
305-403-7783

On Wed, Mar 11, 2015 at 10:50 AM, Harry Heist <harry at evict.com> wrote:

> There is nothing in residential. In commercial, almost anything goes as
> contract is more important than law. Commercial landlords and tenants can
> agree to almost anything.
>
>
>
> In residential, if you go overboard, some other statutes come into play.
>
>
>
> Leonard, let it rip!!!
>
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>
> Harry
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> *From:* landten-bounces at lists.flabarrpptl.org [mailto:
> landten-bounces at lists.flabarrpptl.org] *On Behalf Of *Jay Taplin
> *Sent:* Wednesday, March 11, 2015 10:44 AM
>
> *To:* RPPTL Landlord Tenant Committee
> *Subject:* Re: [RPPTL LandTen] Renters insurance issue
>
>
>
> Harry, I have a question.  If a commercial landlord can require a tenant
> to pay for CGL and Property Insurance regarding or on the whole or part of
> the property as a covenant in the Lease, such as in a NNN Lease or
> otherwise such as a by a pass through, what in Part II of Chapter 83,
> prevents a residential landlord from doing the same?
>
>
>
> Jay A. Taplin
>
> Florida Bar Board Certified Real Estate Law
> Taplin & Associates
> Suite 1510
> 1555 Palm Beach Lakes Boulevard
> West Palm Beach, Florida 33401
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> *From:* landten-bounces at lists.flabarrpptl.org
> [mailto:landten-bounces at lists.flabarrpptl.org] *On Behalf Of *Harry Heist
> *Sent:* Wednesday, March 11, 2015 10:13 AM
> *To:* 'RPPTL Landlord Tenant Committee'
> *Subject:* Re: [RPPTL LandTen] Renters insurance issue
>
>
>
> Agreed on the mortgage deal Dennis and the self-storage scam. I paid it
> myself then showed them my homeowner’s policy and they removed it but even
> that was just for MY property, not if I burned down the storage unit.
>
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>
> Does anyone have any law on this?
>
>
>
> My guess is that the tenant will not be able to get insurance on their own
> thus getting the $9 - $11 extra hit each month and worse yet, it is
> possible the apartments will profit from this and I was under the
> impressions that if they are not an insurance company, they cannot get any
> profit from providing or selling or whatever is going on.
>
>
>
>
>
> *If someone out there knows insurance law, I will just refer this to them
> and possibly many more to them as this is popping up. Same addendum so I
> presume there is an insurance company who targets apartments pushing this
> nationally.*
>
>
>
> Harry
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> *From:* landten-bounces at lists.flabarrpptl.org [
> mailto:landten-bounces at lists.flabarrpptl.org
> <landten-bounces at lists.flabarrpptl.org>] *On Behalf Of *Dennis Chen
> *Sent:* Tuesday, March 10, 2015 9:59 PM
> *To:* RPPTL Landlord Tenant Committee
> *Subject:* Re: [RPPTL LandTen] Renters insurance issue
>
>
>
> Harry,
>
> That is common with mortgage lenders.  If you stop paying they will
> purchase an insurance policy that only insures the lender's interest.  That
> is fine in a mortgage situation because the borrower owns the house.  I
> don't think it is appropriate in a residential landlord-tenant situation
> because the tenant has no ownership interest in the property and the
> landlord is just passing along their insurance cost to the tenant.
>
> It seems to be an additional source of income for landlords.  My storage
> space sent me a notice and started including a bill for something like
> that.  I had to provide a copy of my homeowners insurance policy for them
> to stop billing me.
>
>
>
> Dennis A. Chen, Esq.
> Chen Law Firm, PA
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> dennis at chenlaw.net
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> On Tue, Mar 10, 2015 at 4:00 PM, Harry Heist <harry at evict.com> wrote:
>
> Here is a doozy.
>
>
>
> Apartment community wants tenant to purchase renter’s insurance (not just
> the cheapo contents insurance) This is the insurance that covers what a
> tenant may do to the premises. (usually fire/flood) I am seeing this
> particular form pop up all over.
>
>
>
> 1.      They require it and it is the type that covers liability for
> damage to landlord’s property (fire, flood)
>
> 2.      If the tenant does not get it or it lapses, they then charge the
> tenant $11 per month and they buy it from whoever they want and it insures
> the LANDLORD, not the tenant.
>
>
>
> This is way out of my league.  This is a landlord forcing a tenant to pay
> for insurance that does not even cover the tenant.
>
>
>
> See attached.
>
>
>
> Anyone really know their stuff on this?  I think I need to refer this out.
>
>
>
> Having a policy where another person/company is an additional insured is
> one thing and is totally common  but charging a person to buy insurance for
> another person/company when it does not even cover the person who is paying
> for it???
>
>
>
> Harry
>
>
>
>
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> *LAW OFFICES OF HEIST, WEISSE & WOLK P.A.PH: 1 800 253 8428
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