The Insurance Locator

Who is financially responsible when the owner hired a plumber without a license and ruined our belongings?

My company hired management of the husband of an employee to look at a leaky air conditioner. When I was on the roof broke a pipe, and since he did not first turn off the water flooded up and down (we live in a condo 2 story). This was almost a week. The carpet has fans blowing (since Thursday) and the walls are still searching for wet. Now tell us that all our furniture, electronics, and personal belongings are our problem, not theirs. I wonder if the insurance of homeowners Homeowners should cover the damage or not? It would also be a good idea to try to handle this in small claims court?

There is usually a tort feasor only that their actions are the proximate cause of a particular accident. If the "spouse of a worker is a contractor licensed or are in business for yourself then its activity status is feasor liability. If man is not in business for himself and acting at the request of the owner of the building (or as a favor), then the landlord is the management feasor liability. If the man was doing this entirely on their own without beign asked by the owner of personal property will be covered. The building owner's policy cover damage buildign to walls and floors. If you own a condo this time you probably have a HO-6, are treat their property with coverage limited to construction. The building owners insurance may not cover the content but probably have a liability policy that covers this. The best thing to do is convert this to you renters or condo insurance and let the share subrogated and / or its insurance company. After retrieving the money from any deductible shall be returned to you. Your insurance company will staff and attorney is needed to clarify the responsibility and be subrogated to (collect) their money. If you are uninsured (and should) and then ask for the insurance agent's owner building or insurance company directly. Then prepare for a probable nuisance.