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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">I have sent the question to the chairman of the insurance committee to see if they have any input.
<o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif"">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif""> landten-bounces@lists.flabarrpptl.org [mailto:landten-bounces@lists.flabarrpptl.org]
<b>On Behalf Of </b>Harry Heist<br>
<b>Sent:</b> Wednesday, March 11, 2015 10:13 AM<br>
<b>To:</b> 'RPPTL Landlord Tenant Committee'<br>
<b>Subject:</b> Re: N-1003 - Landlord Tenant Committee: [RPPTL LandTen] Renters insurance issue<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">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.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Does anyone have any law on this?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">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.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">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.<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Harry<o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">
<a href="mailto:landten-bounces@lists.flabarrpptl.org">landten-bounces@lists.flabarrpptl.org</a> [<a href="mailto:landten-bounces@lists.flabarrpptl.org">mailto:landten-bounces@lists.flabarrpptl.org</a>]
<b>On Behalf Of </b>Dennis Chen<br>
<b>Sent:</b> Tuesday, March 10, 2015 9:59 PM<br>
<b>To:</b> RPPTL Landlord Tenant Committee<br>
<b>Subject:</b> Re: [RPPTL LandTen] Renters insurance issue<o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt">Harry,<o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt">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.<o:p></o:p></p>
</div>
<p class="MsoNormal">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.<o:p></o:p></p>
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Dennis A. Chen, Esq.<br>
Chen Law Firm, PA<br>
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<p class="MsoNormal">On Tue, Mar 10, 2015 at 4:00 PM, Harry Heist <<a href="mailto:harry@evict.com" target="_blank">harry@evict.com</a>> wrote:<o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Here is a doozy.</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">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.</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
<p><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">1.</span><span style="font-size:7.0pt;color:#1F497D">
</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">They require it and it is the type that covers liability for damage to landlord’s property (fire, flood)</span><o:p></o:p></p>
<p><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">2.</span><span style="font-size:7.0pt;color:#1F497D">
</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">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.</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">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. </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">See attached.</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Anyone really know their stuff on this? I think I need to refer this out.</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">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???</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Harry</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D">LAW OFFICES OF
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HEIST, WEISSE & WOLK P.A.<br>
PH: <a href="tel:1%20800%20253%208428" target="_blank">1 800 253 8428</a><br>
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"Serving the Property Management Professional"<br>
Website: </span></b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><a href="http://www.evict.com/" target="_blank"><b><span style="font-family:"Arial","sans-serif"">www.evict.com</span></b></a></span><b><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D">
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