Who’s responsible for vandalism damage to rental property?
My friend had terminated her rental agreement with the landlord of the house she was renting (he had made the request, as he now wanted to fix-up and sell the house). On her last night in the house, she stayed late packing and cleaning, but then went to her new place to sleep. When she returned in the morning, the rental home had been badly vandalized. There were broken windows, damaged front door, garage door, and broken tile in the kitchen. Since she had moved out her things earlier in the day, she had no damage to her personal belongings. The police feel that teens with some sort of ”beef” with her teens son must have done this. This is only a guess, noone at this time knows who did this for sure. She had no knowledge of it, and did not invite this trouble. The landlord has not offered to use his home owners policty to cover the damage. He is squarely asking her for the cash to pay for all damages (which, she of course does not have). Somehow I feel like she is not responsible for the damage to his home, because she did not cause the damage. If she had renters insurance, that would have only covered her own belongings, which weren’t harmed. Who is resposible?

Title Insurance defect discovered
Own my home w/title insurance. Later, had refinance done & purchased more title insur. I believe a lender’s policy. Title was clear. Months later, found a deed. Due to the failure of lending policy title co to find this transfer deed, it cost me over $100k. I was given the refi for 100% of the asset, but only owned 50% of it. Title co failed to do research. I had no idea there was a recorded deed on my property, when my parents had me refi & made transfer to me, it caused me to be sued, because I was dealing with another entity. I would have handled it differently when I took the loan in my name, the loan officer would have gotten the other party to sign off & complete a quit claim deed, so I wouldn’t have been stuck paying for the whole asset, & only own a fraction of it. I have paperwork showing the date of refi, & that they missed deed already on record & they should have seen it at the recorder’s office. Even though a lender’s policy, isn’t this Title Co. responsible for their error, as I relied on the clear title to sign loan papers. My owner’s policy, from years ago said not their issue. Refi Title Co willing to talk to me. Can lender help me?Want to know rights? as Title Co. hid or failed to disclose defect.