Hartford Rental Property Insurance: Winter Loss Exposures

Hartford Rental Property Insurance: Winter Loss Exposures Hartford Rental Property Insurance Winter Loss Exposures

Hartford rental property owners are susceptible to a number a liability exposure, including negligence and failure to properly care for their property holdings. Landlords are legally and often contractually obligated to maintain a safe and functional living situation for their tenants, which can require extra work and precautions in the winter months. From snow removal to structural complications resulting from harsh weather, rental property liability and loss exposures can dramatically increase as the weather get cold.

Here are a few common landlord responsibilities which can expose Hartford rental property owners to losses and liabilities this winter.

  • Snow removal. Snow and ice removal is a commonly debated responsibility for many landlords and tenants. In some cases property owners are obligated by law to provide the snow and ice removal services needed to maintain their property, in others the burden falls to the tenant. When regulations do not exist, the lease terms should specify whose obligation it is to provide such upkeep. However, when walkways, stairways, driveways and other surfaces are not cleared properly, landlords are exposed to claims from tenants for bodily injury or property damage.
  • When it comes winter proofing your property it is ultimately your responsibility as a Hartford landlord to protect not only your real-estate but also your tenants from common winter household problems. Winter weather can have devastating effects on a property from freezing pipes to water damage and mold build up. All of which can cause costly property losses which a landlord can be held responsible for if they are found to have been negligent in their upkeep attempts.
  • Providing service and repairs in a timely manner. When something does so wrong in a rental property, the radiator fails or a pipe bursts, Hartford landlords are required to provide timely service and solutions to a tenant’s concerns, especially if the issue creates unlivable conditions.

When it comes down to it, many landlord liability concerns can be addressed in the lease.  Leases should clearly delegate the responsibilities of each party in accordant to the law, in order to avoid any liability ambiguities and prevent unwanted legal complications. It is important that Hartford rental property owners take into account their own loss exposures when delegating such responsibilities in a lease. For example a property owners could risk exposure to property damage expenses should the tenant improperly care for the ground if it is their responsibility to do so. In some cases it may be in the your best interest at the rental property owner to assume some specific responsibilities to ensure that maintenance is preformed promptly and properly to best avoid further losses and complications.

When winter hits, there are only some losses that you can protect your property against; others are simply acts of nature. At Byrnes Agency, we understand the unique irks exposures you face as a Hartford rental property owner, that why we specialize in proving comprehensive insurance for all your property assets and holdings. We are one of the most respected and established insurance companies CT has to offer, with offices throughout Eastern Connecticut. Our experienced team of Hartford rental property insurance specialists will provide you with a review of the insurance coverages available to protect your investment. To learn more about our operation and Hartford Rental Property Insurance policies, contact us today.

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Dayville Office

Phone: (860) 774-85
394 Lake Rd
Dayville, CT 06241
United States
info@byrnesagency.com
Hours of Operation: Monday- Friday 9:00am-5:00pm

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Norwich Office

Phone: (860) 886-5498
6 Consumers Avenue
Norwich, CT 06360
United States
info@byrnesagency.com
Hours of Operation: Monday- Friday 9:00am-5:00pm

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Woodstock Office

Phone: (860) 928-7928
1226 Connecticut 169
Woodstock, CT 06281
United States
info@byrnesagency.com
Hours of Operation: Monday- Friday 9:00am-5:00pm

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