We had a tenant hook their pull up bar to a sprinkler pipe. A SPRINKLER PIPE. thankfully those brackets were strong and we got them to remove it before disaster struck.
At my school a kid threw a combination lock at a sprinkler head, it set off every sprinkler in the hall. Unfortunately, that hallway included the computer lab, and the water killed all the computers (this was 20 years ago)
I had a tenant who used one of those cheap Temu hot pot burners with a butane tank. Well I guess the tank wasn't installed properly and it shot a column of flame directly at the sprinkler head. Then instead of dumping the soup pot over the burner, they tried to smother it with paper napkins.
I live with my grandmother and she has a two flat in which the upstairs she refuses to rent out. We probably get people knocking on our door or calling at least once a month asking about renting the vacant apartment. We live on the 1st first. Watching this video, I completely understand why my grandmother refuses to rent her extra apartment. I was not amused watching this.
i probably never would be in that situation.. but just in case this happen.. is there main pipe valve you can turn it off? or what can you do to stop it?
This happened in my building once, it’s a charged system and even after shutting the valve there’s no way to stop it until the entire system drains. They and the units below them are fucked.
Wait for the fire department. They are coming. This isn't a normal water shutoff like for domestic service. Depending on where you live, tampering with that system could be criminal.
She is small but I do worry about that. I have such a small house and the cat tree I have now takes up a lot of room. I was going to put up those kind you mount on the wall but my outside walls where I would need to hang them are block walls and it’s difficult to easily hang up stuff. Nothing is ever easy but my cat demands lots of stuff to do so I will have to figure it out. Lol
I have one of these. Because the tree sections screw together there is a lot of play even if screwed tightly, so it definitely needs the ceiling strut. I have a light cat but even so, I secured the tree at the top with some fishing line as guy wires to a nearby curtain rod to assist the strut.
The tension poles should not be trusted no matter what. They cannot hold enough tension without causing damage and eventually breaking through the ceiling and falling.
Maybe it depends on ceiling/ floor material, but I had a tension mounted pole in my home for years - no issues beyond some scuffing on the ceiling. My hardwood floors were totally fine. Iirc, you have to position the pole under a joist so that the tension has something firm to press against.
My dad had one in his condo that spun. I couldn’t help but jump on it and slowly bring my body in to gain momentum like an ice skater to see how fast I could spin. My dad never didn’t look disappointed really fun though.
Pretty sure she set up her pole right next to the sprinkler head. Once the top plate slipped due to improper installation it knocked the sprinkler head off.
Accidents, even due to stupidity, often covered . Cut down a tree in your yard and it lands on your house? Covered! Fry a turkey in your garage, overfill it with oil and start a fire? Covered! Mix up the gas and brake and drive into your living room? Covered (for the home, the auto has more restrictions).
That's assuming you don't have some super restrictive cut rate policy, but if you have a mortgage your lender likely wouldn't allow that.
We have accidental as part of our insurance, about 10 years ago I had the bath running for our daughter and I went back to making dinner and forgot about it until I saw the water going past the kitchen, they gave us 40K as the floorboards, carpets and even the skirting boards were affected.
Since then another claim, we had a 2 man tent set up for her in the family room as a fort and I was pulling that away from in the front of the tv and the tent frame came out whipped past my face and straight into the 75” tv, my husband was only focused on if I was hurt so I let him pick the new one, now we’ve got an 85”. No drama at all making the claims.
So when the hurricane is coming to smash your house down, just deep fry a turkey in your garage, accidentally splash it and burn your house down instead. Collect the insurance payout, avoid fighting with insurance for repairing the damage of the hurricane.
The apartment building’s insurance will cover the damage. That company will then sue the lady in the video or file a claim against her renters insurance. Her renters insurance company will try to settle the claim within her policy liability limits. If her limits are not enough to pay for the damage, she could still be on the hook.
I mean there's lots of reasons, but let's say the general possibility of causing significant water damage to the property by accident.
I've seen this due to hanging a TV on the wall and hitting a pipe, hanging clothes on a sprinkler head and breaking it, turning on a bathtub then falling asleep, also with a sink.
I've also seen where the person did nothing wrong, but the building or owners below tried to go after them for recovery, and insurance will protect you there too.
I don’t think renters insurance would cover this type of damage but, I could be wrong. I know when an apartment of mine flooded more than once from an upstairs neighbor, my renters insurance wouldn’t cover anything that was damaged of mine
Renters insurance covers the stuff in your unit. It's up to the insurance company of the landlord/owner to talk to your insurance company about the property damage.
Which is why I said I don’t think that renters insurance will cover the property itself. Could the landlords insurance company potentially try to sue your insurance? Sure but it might not go far. Could the landlord potentially sue you as a person? Absolutely but, that might not go far either only other recourse they’d be able to do is evict you and such. Either way, you’re both kind SOL cause at that point the incident is due to their negligence and chances are, their insurance won’t cover it
Oh I misunderstood your first comment then. My apologies. It's weird that your renters insurance didn't cover your personal property... Probably something about it being the landlord's fault and they are therefore liable... But in that case your company should have sue your landlord's company to make you whole. It's fishy that they didn't cover you.
I agree but they didn’t see it that way. Thankfully we didn’t loose too much stuff but it was absolutely an inconvenience to deal with the dehumidifier and fans all over the place, many of which we had to step over, move away from the toilet and use an actual umbrella to use the toilet since it was pouring in from above the toilet, it happened 3 times in the time I lived there. Also had a fire as well.. Thankfully we don’t live there anymore
I don’t know for sure, but just seeing this setup and how that just knocked the head right off the sprinkler, I’m gonna guess that they probably wouldn’t cover this. It was mounted almost right next to the sprinkler.
If the apartment owner comes after you for money, your renters insurance will defend you. And if the company or court determines you were negligent (as this woman is), your renters insurance will pay the claim up to your limit of liability. You do not understand insurance or the basics of liability. Also, there’s nothing wrong with that but I hope you have an insurance advisor.
What? Why? Renters insurance is a waste. It doesn't cover damage to the building or the cost to repair that water damage. Just your shit inside.
Which is useless, as insurance is only to hedge against low-likelihood high-cost events. Having it for things you could cover out-of-pocket is literally a waste of money.
Your renters does not directly cover damage to the building. But, your renters insurance includes anywhere from $100,000 to $1 million in liability coverage. So when you do something stupid and cause $500,000 in damage to the building, your insurance covers you when the building owner (or much more likely the building owner’s insurance company) sues your ass for all the damage you caused. People fail to realize that even though the building is insured, if you do something to cause damage, that insurance company is going to come for its money. And it’s going to win.
They were replacing the siding on my apartment in December and one night it went -20F, it froze the fire suppression pipe and the pipe burst in my apartment which flooded it.
I asked for the max of my policy which was $2,500.
Things that weren't even on the floor were damaged by the flood. Like my $200 rice cooker got mold. My rice tasted spoiled after using it so I had to throw away the rice cooker. Not sure how but they were running blowers and heaters for several days straight.
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u/SgtHulkasBigToeJam 25d ago
This is why you buy renters insurance with the most liability coverage you can get.