出租房停电，租客要求报销旅馆费用 - 2025年4月22日文学城存档 - 看帖神器

← 下载《看帖神器》官方 iOS App，体验轻松追帖。

大约 17 小时

楼主 (文学城)

这个情况怎么处理呀？我应该报销全部旅馆费用吗？还是prorate房租，按照租客搬出的天数来算？

柠檬椰子汁

大约 16 小时

no control, no liability

I teach you to say this in English.

You pay (you are liable) only for your mistakes.

You can't make mistakes if you have no control.

Things you don't have control: Utilities, weather, neighbor's fire etc etc.

Tell them to move out or bugger off.

米奇的厨房

大约 15 小时

让他找电力公司去报销

大约 13 小时

我前面没讲清楚。停电是因为HOA公用变电器和电线故障造成。修复用时达一周。租客认为出租房uninhabitable. 这种情况是

大约 13 小时

是不是HOA的保险赔付？

大约 5 小时

租客的rental insurance付，就是租客签约搬进来前续约你要强迫租客买。

柠檬椰子汁

大约 4 小时

HOA也不是你能控制的，他们可以找HOA赔。

我不是电力专家，不知道变电器是属于HOA还是属于电力公司。所以责任上我不太清楚应该谁赔，但是总不是你赔。

做房东，就要有点手腕，踢皮球的能力还是需要有的。

大约 4 小时

这种情况应该属房东保险付吧？我的理解是，租客保险保“租客的过失或天灾”，两边都挨不上。

大约 4 小时

我的理解是，若是全部报销旅馆费，就不退还租金，若不报销旅馆费，就按比例退回一周的租金。你若报销了，也要找人报销，

理论上你是找HOA报销，HOA找电力公司报销。

以前比较好办，直接找你的保险公司赔loss of rents，保险公司去找“元凶”，现在的情况是保险公司很凶你不敢找，就只能提枪上马自己亲自上阵了。

大约 3 小时

If you're unsure if an event is covered, ask insur be4 claim

What's Covered By Each Renters Insurance Type

Coverage Type What's Covered What's Not Covered Common Coverage Limit

Personal property coverage	Clothing, furniture, art, electronics or anything else owned in a rental house or apartment up to your policy's limit.	Losses exceeding your total personal property limit and sub-limits. See our list of excluded possessions here.	Variable
Liability coverage	Property damage and bodily injury to another person and their medical expenses	Property damage and bodily injury to you or members of your household or your property	$100,000
Medical payments coverage	Medical expenses of an injured party	Medical expenses of an injured party if they are the insured	$1,000
Additional living expenses	Hotel bills, transportation, meals	Long-term housing costs beyond policy limits	$3,000-$5,000

大约 3 小时

Be clear to them that you're not calling to file a claim

you simply have questions about your policy.

大约 3 小时

旅馆包括餐费是指遇到天灾（风火水），不是指任何时候。保险公司也归分责任，房子停电不属“天灾”，属“人祸”，过失方负担责任

大约 3 小时

不用问，房东保险确实保这种情况，是房东自己不愿意动用这份保险。