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Hi,
Very good question! Possibly, you can be sued.
Please contact your homeowner's insurance agent, or the company you have your homeowner's insurance with, and ask.
You might need to place this person on your homeowner's insurance, to be sure they are covered in case of personal injury. They are the only ones who can "professionally" answer your question, for the state in which you live.
First anyone can always sue anyone else, if he could win is another issue.
First talk with your homeowners insurance, since this may be considered an attetional risk, it may not be covered by them if they do. Often any business at a home ( piano teaching, dress making, accounting) if a client comes to your home and you do work there, it will not be covered unless you have added an admendment to your policy. This is very likely the same way where an additional premium will need to be paid to cover a renter in your home.
Also it may well also increase the over all cost of the policy on your home also. If he caused something to start a fire for example. Rental property has a higher premium for coverage because of increased risk.
You would not want to find out after a fire that they will not pay for damage due to a renter in the home.
Contact your insurance company
Also what type of signed lease agreement or rental agreement do you have with them. It should state all sort of requirements and limitations.
I have contacted my homeowners insurance. At first they said I would have to add her to my policy.....then she asked someone and was informed that if my roommate is paying me rent she cannot sue me. I asked that they send me the paper work that supports that claim.
As far as my rental agreement it has nothing legal (as this is my first time renting out a room). What brought this up in the first place was I had to confront her about some things and the next evening she arrives home from work telling me she fell on my steps. Sounds pretty suspect
Do you know of a place were I can purchase a contract that has more protection for me? If she doesn't want to sign it then that tells me all I need to know.
Thank you for your time.
um honey you dont need to keep that roommate there. shes going to cause you a lot of trouble. if she does try anything make sure that you got it on tape, camera, and video. protect yourself.
I've got my cassette player set-up and my camera ready to take pic's when she arrives Sunday.
I will ask an attorney friend (hopefully at church) of mine tomorrow if he knows anything about it.
If I can find any kind of legal doc's to cover my bottom that would be great, also.
Does any one out there know where I can find such a document?
They sent me my Policy with highlighted areas of importants. Any one living in my home (including myself and my roommate) cannot file a claim against my Policy.......which leaves only one person to be sued for personal injury....guess who???? Yep you got it! Not so deep pockets herself.
I wonder how many people renting out rooms are even aware of this liability.
I hope they're reading this.
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