Experiencing a burglary in a rented home is an unpleasant experience that raises many questions about responsibilities and insurance coverage. To properly manage the incident, it's important to understand what each party should do. At Immosegur, we offer a comprehensive guide.
In the event of a robbery, filing a police report is mandatory. This document allows you to initiate any claim and prove the incident to the insurance company. It is also crucial to take photos of the property's condition, especially if there are forced doors or broken windows.
Financial responsibility is divided according to the damages. Everything that forms part of the building structure—the apartment's structure, doors, locks, windows, blinds, or fixed security systems—is the landlord's responsibility. Therefore, it is advisable for the landlord to have insurance that covers burglary and vandalism.
The tenant's personal belongings, on the other hand, are not the landlord's responsibility. Cell phones, computers, jewelry, clothing, or any stolen items must be claimed through the tenant's insurance. If the tenant does not have contents insurance, they will have to bear the cost of the loss.
The situation can change if there are previously reported security issues. If the tenant reported a faulty lock or a window that didn't close properly and the landlord failed to act, there could be liability for negligence. In that case, the landlord could be obligated to cover additional damages. Insurance companies also assess the level of diligence of both parties. A landlord must maintain the property in good condition, but a tenant must use it properly and avoid risky situations. Leaving doors unlocked or improperly handling the lock can affect insurance coverage.
Having supplemental insurance is the safest way to protect both the property and its contents. With a proper division of responsibilities and good communication between both parties, dealing with a burglary is a much simpler and less contentious process.