First steps for tenants
- Stop the water if you can.Close the fixture valve or the main shutoff. Learn where the main is when you move in.
- Make it safe.Turn off breakers to wet rooms. If a ceiling sags, keep people out of the room.
- Notify in writing.Call or text the owner or property manager, then follow up by email so there is a timestamped record.
- Photograph everything.Capture the source, the damaged areas and your own belongings before moving them.
- Move belongings out of harm's way.Lift items off wet floors and away from drips, and keep damaged items for an adjuster to see.
- Call your renters insurer.Your own policy, if you have one, generally covers your belongings and sometimes temporary living costs.
Whose policy usually covers what
| Item | Usually covered by | Notes |
|---|---|---|
| Drywall, flooring, cabinets, framing | Owner's landlord policy | Owner chooses and pays the contractor |
| Tenant furniture, clothing, electronics | Tenant's renters policy | Not covered by the owner's policy in most cases |
| Temporary housing for tenant | Renters policy, if it includes loss of use | Lease terms may address rent abatement |
| Plumbing repair at the source | Owner | Unless the lease says otherwise or tenant caused it |
When the owner lives elsewhere
Highlands Ranch has a large number of single-family rentals, and some owners live out of state. A tenant may be the only person who sees the damage for days. Clear communication protects both sides: the owner needs fast information to start drying, and the tenant needs a written record showing the problem was reported promptly.
If the owner or manager cannot be reached and water is still causing damage, closing the main shutoff is reasonable. Hiring contractors or authorizing repairs on someone else's property is not usually a tenant's role, so keep notifying and documenting. Colorado has rules about habitability and repairs; a tenant with questions about rights should consult the lease and, if needed, a tenant resource or attorney.
Questions tenants can ask the owner or manager
- Who is coming to dry the house, and when will they arrive?
- Will I need to move out during repairs, and how will rent be handled?
- Which rooms are safe to use while equipment runs?
- Can I get a copy of any mold or moisture results that affect the space I live in?
General information for Highlands Ranch, not a quote or professional advice. In an emergency, call 911.