Water damage in a Lusby, Maryland, rental property can cause tremendous damage.
While no one can predict exactly when a rental property may flood, it’s important to prepare as much as possible. Ryan Vertucci, Manager at Real Property Management Gold, said, “The flooding in Lusby and Solomons from Hurrican Isabel in 2003 led to water damage in a rental property and a tenant wanting to be reimbursed when the whole lower level flooded. As in all cases, we politely and respectfully draw tenants back to the lease regarding areas of responsibility.”
Then, there was the case of water damage caused by a leaky water line in a refrigerator. It was quickly discovered, which limited damage. Ryan always tells her property owner clients, “The tenant is the next most important asset to your property, so it’s important that my team is responsive and treats both the owners and the tenants with dignity and respect.” Real Property Management offices advise tenants to carry personal insurance, as most leases state that damage due to water is the tenant’s responsibility.
Ryan’s advice to owners is to make sure they understand both the tenant and owner’s responsibilities for 
issues related to flooding, as outlined in the management and lease agreements.
Sam Thompson, owner of Real Property Management Midwest, is familiar with issues caused by frozen pipes in Ohio and Kentucky, but had never previously experienced water damage attributed to a wireless thermostat that had lost connection. Unfortunately, the “default setting” on the thermostat was to turn it off. As a result, the heat went out, and pipes burst. During a showing of the home one Friday night, the flooding was discovered, and damage was mitigated to a few hundred dollars inside the home.
Sam advises rental homeowners to review their insurance policies annually regarding flooding. Tenants should always carry renter’s insurance. Also, always shut off the water in vacant properties, and if there is a flooding situation, address it immediately.
Spring is a good time to make sure you fully understand your insurance policies and owner, tenant, and property manager responsibilities. The more you understand before a crisis, the easier it will be to deal with one should it arise.
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