Jim
Anaheim,#2Consumer Comment
Fri, August 05, 2011
I read this yesterday, and could only comment today. I'm sort of at a loss as to what you believe this company did to rip you off. As far as I can see:
1. They found someone to occupy your home for a set period
2. They arranged for a contract between you and the tenant at a rate higher than market.
3. They are holding you to the terms and conditions of your contract with them.
The only thing I can see this company did wrong is the unauthorized person or people in the home; if they were contacted and did nothing...then that's wrong. However, that's a truly minor issue compared to the current uninhabitability of the home, based on your description of what is needed to repair the home. Laws in many states make the threshold of proving uninhabitability pretty low, so if the home is declared uninhabitable by the tenant, the company can not only exit the contract due to your breach, but could also move the family out of the home, and bill you for the moving costs. If you think repairing the home is expensive at $1559 for the deductible, try adding another $3K to $5K to move the family out of your home, even if the family is moved locally (defined as less than 50 miles away). I would do whatever it took to initiate repairs, and not make this more expensive on your part.
At the end of the day, and by your own admission, you own a house you are renting out. That makes you a landlord, and as such, you have responsibility to fix any and all problems with the house, including the water damage caused by broken pipes. That is part of being a landlord. If you won't, I assure you the problems only get worse for you. If you wish to continue as a landlord and renting the house for those with fire or other claim situations, I would suggest not putting in expensive slate or expensive carpets in the house. For starters, anything you lay down in the house is going to need to be replaced in 5 years - 7 at the max. Find an inexpensive option to replace the tile and keep carpet replacement cost LOW. If you must replace with expensive tile and carpeting in order to make yourself feel good, I would highly recommend you NOT keep the home as a rental because no renter will appreciate what is in your home. Only you do. My concern at this point is that being a landlord is hard for you; embracing such things as travertine, expensive tile, and expensive carpets....is not what landlords concern themselves with because those costs have to replaced in a fixed period of time anyway because of....tenants. I understand your home appeals to this company because they portray themselves as placing high-caliber people in equal caliber homes. Not certain I believe that hype....I'd be skeptical of anyone I didn't personally meet in one of my properties but then.... that's me.
The renter's insurance the tenant should have had would not have covered the busted pipe situation; those policies are generally to cover any theft resulting from someone breaking into a home, or for casualty loss of the policyholder's items stemming from a busted pipe (in this situation). Your property insurance is the only policy applicable; if your insurance agent told you anything otherwise, I would seek out an agent who knows what in the world he/she is talking about. Maybe the agent is just trying to make you happier? I'd be happier with an agent who simply leveled with me.
I would consider reviewing your contract with the company to see if there is a possibility you could screen who comes into your home. If you can't...you can't, and you may not be able to. Best of luck to you...