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When Disaster Strikes in McKinney: Owner vs Renter Liability Responsibilities

Major storms and natural disasters can cause a lot of property damage. As a McKinney rental property owner, do you know what your responsibilities are in the event that your resident’s personal property is also damaged or destroyed?

Several property owners may think that covering the cost of repairs for any damage caused by a storm or natural disaster is their responsibility. However, renters and rental property owners both have liabilities when it comes to property destruction. Discerning which liabilities are yours and which belong to your residents is an important part of recovering from a natural disaster.

For example, many rental properties have one or more huge trees around the exterior of the home. If a tree on your rental property breaks in the middle of a storm and falls on a resident’s car, whose responsibility is it to cover the cost of repairs? In this instance, paying to repair the damages is not your responsibility. Instead, the resident’s auto or renter’s insurance should pay for the car repairs.

How about other types of damage from a natural disaster? Floods, wildfires, and tornadoes are events that rental property owners and residents may face. If a rental property is damaged by a natural disaster, it is the owner’s responsibility to ensure that it is livable and pay for repairs if it is not.

However, the resident’s personal property, including vehicles, and the costs of transportation, lodging, food, and other expenses incurred because of evacuating are all the resident’s responsibility. If the property is restored to a livable condition quickly, the resident may still be accountable for the terms of the lease and should have enough renter’s insurance to cover temporary housing.

At Real Property Management Preston Trails, we help rental property owners like you figure out what your responsibilities are in the event of a natural disaster or another weather-related incident. No matter what nature brings, our property management services will answer your questions about liability and ensure that your residents are taking care of their own responsibilities. Contact us online or give us a call at 214-477-6518 to find out more and discover what we can do for you.