COLLEGE STATION, Texas (KBTX) — Alika Broussard received an unexpected wake-up call around 2 a.m. Monday. She opened her bedroom door and saw only smoke. At the time, she didn’t know where it came from.
Shortly after, flames also engulfed her three-bedroom apartment. She later discovered that the fire started because of a faulty bathroom fan. His family was left with almost nothing.
“Between the smoke, the smoke inhalation, the water damage and the fire…nothing,” Broussard said. “Either it stinks, or it’s moldy, or it’s broken.”
Broussard’s family was moved to a two-bedroom apartment later that day. On Tuesday, she went to her lettings office thinking she might file a claim with renters insurance which she pays monthly through The Pearl Apartments. She discovered that was not the case.
“Everyone in the apartment complex considers that they are paying tenant insurance for their property for their business, but just found out that you are paying property insurance,” Broussard said.
She has lived in the apartment complex for almost three years and has paid for the complex’s insurance for most of that time. Broussard believes the apartment complex has not sufficiently explained the insurance option.
That’s why experts believe it’s important to read rental agreements carefully before signing them. Katie Galan, regional director of the Better Business Bureau, said it can also be helpful to contact an apartment complex’s insurance company before signing a lease to find out what you are and are not responsible for. in case of emergency.
“If you just take a little more time on the front end and do that little extra research, it will hopefully save you some heartache later down the road,” Galan said.
Broussard now warns others to be more careful when reading apartment leases and to know what the apartment’s insurance covers.
“All I can tell you is be careful, make sure you get your policies, make sure you understand and read the information,” Broussard said. “Ask questions and get everything in writing.”
She is now working to replace her family’s assets. Those who want to help, click here.
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