State-Specific Legal Forms Landlords Trust

Landlord Question and Answer Forum

Forum / Other / Insurance company not covering rental income loss
I am a landlord of a rental property in Pennsylvania. My tenants lease ended on July 31, 2018. Within two weeks after they left, I hired a contractor to paint and carpet in preparation for advertising and re-rental. On August 17, 2018 there was vandalism done to my home, resulting in $60k damage. I had a landlord's policy with Erie at the time. They covered the damage, but did not provide rental loss protection, saying that there was no tenant in the dwelling at the time of the incident. But the policy does not explicitly state that rental income loss protection only applies when the home is occupied by tenants. The policy does say that rental loss protection applies during "normal business operations". I contended that it is very normal business operations for a landlord to paint and carpet between tenants, which shows that I was actively readying the property for re-rental, and so I should receive rental income protection. They denied my appeal to them and did not cover me on this. Then I filed an appeal with the PA Insurance Commission. They contacted Erie, who denied the appeal and then terminated my policy. While repairs are being made due to the damage, I have gone without rental income since 8/1/2018. The earliest I can rent it again is 2/1/2019. Fair rental value according to Zillow is $1525 / month. Is this worth pursuing legally?
Robert L, VA on Friday, January 11, 2019
Return to the Other Forum
Documents related to this forum

Residential Lease Agreement with eSign

Free Rental Application (Handwrite-In)

Garage / Storage Lease Agreement

Late Rent - Reminder

Highest Rated Discussions
Author: Jennifer P, PA
Updated: 01/13/2015
Rating: Star0Star1Star2Star3Star4
Author: Christine C, NJ
Updated: 08/21/2017
Rating: Star0Star1Star2Star3Star4
Author: Eric and Britta N, OR
Updated: 11/12/2015
Rating: Star0Star1Star2Star3Star4
Author: Julie B, AL
Updated: 06/15/2017
Rating: Star0Star1Star2Star3Star4
Author: Steven D, TX
Updated: 02/21/2016
Rating: Star0Star1Star2Star3Star4

The forum is completely free to anyone! If you wish to post a message, you must log in. If you are not registered already, Join today to create a free account!

Any comments and opinions that are expressed by the users of this forum are solely those of the authors, and have not been reviewed or approved by ezLandlordForms.

Satisfaction
Guaranteed

Money Back Guaranteed
Trusted by Over
300,000 Property
Managers, Realtors,
Attorneys, and Landlords
since 2006!
More Info
The EZ Landlord Forms team gives advice to first-time landlords on Designing Spaces!

Buzz About ezLandlordForms

Craigslist Logo  says:
"one stop shop for leases and forms"
— Christina Murphy, Founding Board Member
Fox Business Logo CBS Radio Logo msnbc Logo The Wall Street Journal - WSJ - Logo CNN Money Logo
Call us: 1-877-367-6771

We are available 7 days a week to answer your questions and to receive your feedback.

Carbon Free - CarbonFund.org Click to verify BBB accreditation and to see a BBB report. website security
ez Landlord Forms products and services are reviewed and approved by attorneys, accountants, fellow landlords, or industry experts.
ez Landlord Forms is not a law firm and our products and services are not a substitute for the advice of an attorney.
Copyright © 2006-2019, ezLandlordForms LLC. All Rights Reserved. | Privacy Policy | Terms & Conditions | ezLandlordForms Affiliate Program
Version: 1.249.1