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Renters insurance for beach rentals
Posted on 9/3/19 at 8:31 pm
Posted on 9/3/19 at 8:31 pm
Was going to Hatteras for a 4 day weekend of drum fishing at the point.
Now I ain’t.
Mandatory evacuation. But that doesn’t affect the money back if you knowingly turn the insurance down at the time you file the credit card.
Lesson learnt. Unless you have any ideas.
Now I ain’t.
Mandatory evacuation. But that doesn’t affect the money back if you knowingly turn the insurance down at the time you file the credit card.
Lesson learnt. Unless you have any ideas.
This post was edited on 9/3/19 at 8:34 pm
8
Posted on 9/3/19 at 8:58 pm to dstone12
I wouldnt give up that easy, but not sure of the laws outside of LA. Just because it may not be guaranteed they will willingly give you a refund from the site or from a person doesnt mean you dont have the law on your side where the contract could be voided for failing to fufill the object of the contract
Posted on 9/4/19 at 6:13 am to diehard24
quote:
Mandatory evacuation.
You had a contract that required them to provide you with access to a rental unit in exchange for cash. You paid the cash. They are breaching the contract since you are not allowed access to the rental. It's not their fault though...but that part doesn't matter. You get your money back, imo.
Posted on 9/4/19 at 7:42 am to dstone12
quote:
Mandatory evacuation. But that doesn’t affect the money back if you knowingly turn the insurance down at the time you file the credit card.
I'm pretty sure if there is a mandatory evacuation that they legally have to give your money back.
Posted on 9/4/19 at 7:45 am to dstone12
I stand corrected, looks like you are fricked in NC
I'd raise hell though. At least see if they will switch the dates up
quote:
For example, North Carolina has a comprehensive Vacation Rental Act. (N.C. Stat. Ann § 42A-1 and following). The law directly addresses what will happen when mandatory evacuation orders affect the rental: Tenants are entitled to a refund, but not if they have either refused the landlords or brokers offer of insurance (which would have compensated them for loss of use), or if they purchased insurance that covers the situation.
I'd raise hell though. At least see if they will switch the dates up
Posted on 9/4/19 at 8:30 am to dstone12
You can ask them if they'll refund your money, or maybe ask if they'll let you pick some different dates. I did that for one of my rentals during Michael.
Unfortunately, you won't have any legal recourse. Just ask and hope the owner is a reasonable person. Or pay for the insurance next time you rent during hurricane season.
Unfortunately, you won't have any legal recourse. Just ask and hope the owner is a reasonable person. Or pay for the insurance next time you rent during hurricane season.
Posted on 9/4/19 at 8:38 am to dstone12
quote:
the credit card.
Some credit cards cover this. Dispute the charge with your credit card company. They will work out the legalities.
Posted on 9/4/19 at 8:50 am to dstone12
Which credit card company? Good chance that they will take your side.
Posted on 9/4/19 at 9:04 am to redneck
quote:
I'm pretty sure if there is a mandatory evacuation that they legally have to give your money back
Lol, ugh no. OP specifically said he passed on the travel insurance.
Travel insurance is specifically for mandatory evacuations. It’s 7% of the cost of your trip. Almost all beach rentals in the South now specifically state this. Get travel insurance for 7% or YOU as the consumer take the risk of a storm.
Eta: people complain about this all the time but Airlines do it with cancellations and plan changes, hotels offer lower rates for no cancellations, etc. Beach vacation rentals could charge 7% more and cost it in, or pass the risk on to the customer and give them the option.
This post was edited on 9/4/19 at 9:06 am
Posted on 9/4/19 at 10:27 am to baldona
travel insurance is a scam. If there is a mandatory evacuation and I can't physically get to the property I shouldn't need insurance to be offered a refund or at the very least an option to change the dates.
FWIW we had a VRBO in sandestin 2 days after the hurricane hit Panama City last year. The wedding ended up going off as planned but the homeowners said we would get a 100% refund if we needed to cancel because the resort cancelled the wedding. I guess you just gotta make sure you don't book with a trashy company
FWIW we had a VRBO in sandestin 2 days after the hurricane hit Panama City last year. The wedding ended up going off as planned but the homeowners said we would get a 100% refund if we needed to cancel because the resort cancelled the wedding. I guess you just gotta make sure you don't book with a trashy company
Posted on 9/4/19 at 11:13 am to dstone12
quote:
Mandatory evacuation
As a beach rental property owner, you can and should get your money back. Dispute it with the CC company. With all the beach closings this summer in MS, my property manager, who manages other properties in the area besides mine, just quit disputing filings because she lost all of them.
Posted on 9/4/19 at 11:39 am to RobNation
quote:
As a beach rental property owner, you can and should get your money back. Dispute it with the CC company. With all the beach closings this summer in MS, my property manager, who manages other properties in the area besides mine, just quit disputing filings because she lost all of them.
I own beach properties also. I manage them myself. Your manager simply has a very poor contract. My contract has verbage that explicitly states we don't give refunds for weather and a mandatory evacuation is covered by travel insurance. Its the guests option to purchase it or not.
I offer travel insurance that gives a full refund for mandatory evacuations. The cost is 7%.
I'd love for you to explain how offering an insurance to save guests money that don't want to pay it is trashy?
The OP said the same thing. He declined coverage, he was caught without it.
People think that travel insurance covers everything. It doesn't. It covers very specific things, one of which is a mandatory evacuation due to a hurricane.
Again, hotels routinely offer cheaper rates with a no cancellation policy. Is that trashy also if the guest couldn't show up but chose to save money instead of paying for the more expensive rate with cancellation available?
Posted on 9/4/19 at 11:44 am to redneck
quote:
travel insurance is a scam. If there is a mandatory evacuation and I can't physically get to the property I shouldn't need insurance to be offered a refund or at the very least an option to change the dates.
The reason why travel insurance is there for weather is because you'd be amazed at the amount of idiots that don't want to leave. For Michael I evacuated the Destin area myself to Biloxi and came back and the beaches were busy the day after the storm. All kinds of people stayed.
Try kicking people out for a non mandatory evacuation...People get pissed.
So what's the answer? Everyone wants their cake and to eat it too. Travel insurance is simply a way of deferring the liability to the paying customer. Its no different then rental car damage insurance. All insurances have fine print.
Posted on 9/4/19 at 11:45 am to baldona
quote:
I'd love for you to explain how offering an insurance to save guests money that don't want to pay it is trashy?
charging customers for a product that they cannot use because of a mandatory evacuation is trashy, and an a-hole move.
quote:
Again, hotels routinely offer cheaper rates with a no cancellation policy.
if there is a mandatory evacuation I guarantee you most major brands would be giving you a refund. The "no cancellation policy" is for personal issues, not a fricking category 5 hurricane in the path.
If I had something booked with your "company" and was not able to use it because of a mandatory evacuation and you wouldn't refund or change the dates I would make it my goal to blast your shite on every social media website I could. I'd get my money worth of harassment calls to you and your staff.
Posted on 9/4/19 at 11:56 am to highcotton2
quote:
Some credit cards cover this. Dispute the charge with your credit card company. They will work out the legalities.
Credit card company will nearly always take their customer's side.
Posted on 9/4/19 at 12:06 pm to baldona
quote:
Eta: people complain about this all the time but Airlines do it with cancellations and plan changes, hotels offer lower rates for no cancellations, etc. Beach vacation rentals could charge 7% more and cost it in, or pass the risk on to the customer and give them the option.
There’s an entire thread on the travel board related to airline waivers for storms. Happens all the time and not just for named storms.
Major hotel brands will work with the guest.
In both situations, they offer ability to reschedule using same value for new date.
Posted on 9/4/19 at 12:57 pm to redneck
Some of you might not like it, but baldona is absolutely correct.
Stop being trashy and buy the extra insurance if you can't afford to take the risk.
If you get your money back, it's because the property owner is generous, your credit card company is eating the cost, or a property manager doesn't want to deal with trashy people. Either way, you're a dickhead for putting the costs of your irresponsible decisions on someone else.
That isn't directed at anyone specifically, but if you declined the insurance that covers this exact situation, you should have no complaints if anyone declines to bail you out. The best you're going to get at one of my properties is rescheduled to a window that's available.
Stop being trashy and buy the extra insurance if you can't afford to take the risk.
If you get your money back, it's because the property owner is generous, your credit card company is eating the cost, or a property manager doesn't want to deal with trashy people. Either way, you're a dickhead for putting the costs of your irresponsible decisions on someone else.
That isn't directed at anyone specifically, but if you declined the insurance that covers this exact situation, you should have no complaints if anyone declines to bail you out. The best you're going to get at one of my properties is rescheduled to a window that's available.
Posted on 9/4/19 at 1:30 pm to DisplacedBuckeye
quote:
but baldona is absolutely correct
he may be correct on whats legal or not but his comparisons are not legit. There's not an airline or major hotel brand out there that wouldn't let customers reschedule if the flight/stay didn't take place because of a mandatory evacuation, especially in the day and age of social media/travel advisor/etc where consumers can put companies on blast
quote:
you're a dickhead for putting the costs of your irresponsible decisions on someone else
I'm a dickhead for expecting money back or a change of dates for a product that I can not use ?
quote:
The best you're going to get at one of my properties is rescheduled to a window that's available.
which is 100% fine with me
Posted on 9/4/19 at 2:08 pm to baldona
quote:
I'd love for you to explain how offering an insurance to save guests money that don't want to pay it is trashy?
That trashy comment was from someone elses post.
MS had that algae bloom so it was an environmental risk. And I had zero problems letting people cancel, which luckily for me was only 2 that was 6 days total. I was only speaking on my property managers other properties, not mine specifically.
This post was edited on 9/4/19 at 3:03 pm
Posted on 9/4/19 at 2:10 pm to redneck
quote:
he may be correct on whats legal
It isn't a question of maybe. He's correct.
quote:
especially in the day and age of social media/travel advisor/etc where consumers can put companies on blast
Correct. People can now complain in larger numbers and get their way. Congratulations. That doesn't mean you have any legal recourse if someone doesn't cave.
quote:
I'm a dickhead for expecting money back or a change of dates for a product that I can not use ?
Absolutely. Read your contract next time.
quote:
which is 100% fine with me
That's good, but you shouldn't expect it, either.
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