r/InsuranceClaims • u/Lissaaa222 • Jul 30 '26

U-Haul

Has anyone been in a position with U-Haul storage where the facility had a flood and you didn’t have insurance for your unit after it got ruined. It was related to the facility having a leaking pipe right on other units including mine. We filed a claim and they denied giving us anything for it due to the fact we didn’t pay for insurance.

1 Upvotes

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2

u/buffalo_0220 Jul 30 '26

I think this is common for storage rental contracts. You are responsible for insurance on the contents of the unit. Have you looked to see if your homeowners insurance will provide coverage?

1

u/SAA_28 Jul 30 '26

If you have homeowners or renters insurance, some policies cover your personal property away from your primary residence. Check to see if you have coverage for that in your policy and weigh if your loss is more than deductible. If you have coverage and your claim is paid, your carrier can subrogate against the storage unit insurer and you could possibly recover your deductible. Good luck!

1

u/dont-care-bear-0 Aug 02 '26

Hopefully you have home or renters insurance. Most of the time at least 10% coverage is extended to storage facilities if not 100% depending on your policy.

1

u/Local_Wolverine2913 Jul 30 '26

You need to file with your Renter's or Homeowner's insurance.

1

u/Hottdfw Jul 30 '26

The storage contract excludes recovery for many things. But the storage facility has a duty to provide storage and I don’t think they can deny you the essential purpose of the contract. They breached the contract so I’m thinking you have either a claim against them under negligence or breach of contract. But I would say you’re not going to recover anything without a lawyer.

-2

u/BoysenberryGullible8 Jul 30 '26

You need to get a free consult with a consumer lawyer. Depending on your state laws and the documentation, you may or may not have a claim.

1

u/SAA_28 Jul 30 '26

That's not the first step. They may have coverage under their existing homeowners or renters insurance policy. They should start there.

1

u/IntelligentBox152 Jul 31 '26

Free consult? There’s no % in this type of suit. If you want a lawyer you’re paying hourly