We did demage< help!!!!!

[csavargo Senior Member Find all posts View Profile Close csavargo]

HI There, PLease, advice me.
Anyone had this done before?
Is there anything we can do or just swallow it and pay, what ever they will
ask for,,?
We were staying in an OK,,,resort, last night, Christmas EVE!!!!
my 7 years old dropped a sparkle on the laminade floor and did burn demage.... It is about 1" by 1,5" or smaller, but noticeable....
Could be sanded and sealed ? Or painted over?....
Dumm question....any way.
The resort is no name in the middle of bloody Canadian nowhere!
They sent us already an e-mail, strongly written...
that they are holding our deposit and contacted a flooring company from
somewhere...

Is there an insurance for a damage like this...
OR WE JUST PAY?

[Pstreet1 Senior Member Find all posts View Profile Close Pstreet1]

As a property owner who has rented to others, I'd say you owe them whatever it costs to repair the damage--and possibly any rent they lose getting it repaired. I don't see how the location of the property enters into the question, nor does the fact that it was an "O.K. resort." You left it with permanent damage that they have to repair; you owe whatever it takes to do that.

[JLB Please excuse me, I'm a Dick. Not a moron just a Dick Find all posts View Profile Close JLB]

You can answer your own question about insurance.

Do you have homeowners? Do you have a liability umbrella?

[csavargo Senior Member Find all posts View Profile Close csavargo]

Thank you for the usefull info, reminder, JLB.
It is greatly appreciated.

[timeos2 Senior Member Find all posts View Profile Close timeos2]

Yes, you may owe

Yes, you would owe for at least the repairs required and possibly the "loss of use" while they are done (the second is unlikely to be billed but they legally could). Thankfully it was an accident not some wild party that got out f control & caused damage but that doesn't mean you don't owe to repair it. Check with your homeowners insurance - you may be covered (less deductible).

Good luck and please don't fret over it too much. Things happen and you deal tith them and move on. It was an accident.

[csavargo Senior Member Find all posts View Profile Close csavargo]

Pstreet1, as faar as yor post goes......
1., The location of the resort, YES it metters.
It is one hour from Ottawa, no competition to any contructor....
2., OK means, nothing fancy, laminate flooring is made of the cheapest, and lowest grade on the market.

3., I am a Landlady! with 5 rental properties in Toronto.
I do have insruance- damages do happen, had some major, entire 2 bed 2 bath condo got flooded.!!!! Been there done that.
Even my tenants did damages and if it is $3-4-$500 , just let it go!
Now this time I did scrue up!
I can not seem to find any advice in your posting.
Marry Christmas and Happy New Year!

[csavargo Senior Member Find all posts View Profile Close csavargo]

Thank you, TIMEOS2,
The accident happened on the 24th evening.
We checked out 25th and had a serious accident! Smashed my head.
Right now I am in bed with bruses and concussion of the brain....
companied along with nausia and headache....and a whiplash....

I do agree I have to pay for the damage, but the location of the resort is very isolated.
Contractor could ask anything they want, no competition....GAME MONOPOLY..
Can I challenge and ask for second offer if the first I found to high.

AS faar as my insurance goes deducteable is $500...
But now I am going to investigate, if there is any extra ins possible for traveling with children causing damage....

Now I just have to sit and wait, what the resort is going to come out with.

Thanks again,
I will post any updates.
Maybe someone else will benefit from the info and our mistake.

[bnoble Senior Member Find all posts View Profile Close bnoble]

A: Why on earth did you have a lit sparkler inside a condo?
B: Yes, you are responsible. Contact your insurance agent to see if there is any coverage that might apply.
C: Location and quality of resort are immaterial.

[bevvy5 Moderator Find all posts View Profile Close bevvy5]

I'm sorry to hear about your personal injury - sounds quite a bit more serious than some floor damage and I hope you're feeling better soon.

Have you called the resort to ask them if you can attempt to get your own quote? They may not agree if they have someone they are happy with that does the work, but it can't hurt to ask. And it might be better received that a response of, "I don't like that quote, I think it's too high, please arrange another quote." By making the calls and organizing it yourself you're volunteering to take that hassle off their plate.

[vintner Super Moderator Find all posts View Profile Close vintner]

snipped
2., OK means, nothing fancy, laminate flooring is made of the cheapest, and lowest grade on the market.
3., I am a Landlady! with 5 rental properties in Toronto.
I do have insruance- damages do happen, had some major, entire 2 bed 2 bath condo got flooded.!!!! Been there done that.
Even my tenants did damages and if it is $3-4-$500 , just let it go!

I own rental property so may be looking at this as my property or as a timeshare owner for my next stay.
On #2 Would you feel better damaging a higher grade floor? I don't put in the top grade equipment into my property because it will be damaged. Maybe that is the same case here.
#3 If you 'just let it go' on $300-500 damages from a tenant (I would never let that go) then you shouldn't have any problem paying that much for repairs to damages done while you were in control of the property.

[rikkis_playpen Diamond Club Contributor Find all posts View Profile Close rikkis_playpen]

Sorry for your situation, but this makes a great point for those owners who rent their intervals to others..

Always be sure that you understand the process your resort uses at check-in.. While the vast majority of timeshares require a credit card authorization at check-in, the amounts held can vary greatly and there are still a few that do not hold anything at all (I was surprised that there were several in New Orleans that don't preauthorize charges). If you rent your week, and your guest does damage- you may find yourself liable for any overage that is required for repairs.

Most rental contracts have a damage clause, but if the renter doesn't pay you would be forced to pursue it in court.

An umbrella liability policy is always a good idea (but make sure with your agent that it does cover this particular issue). They are relatively cheap....

[djyamyam Senior Member Find all posts View Profile Close djyamyam]

An umbrella liability policy is always a good idea (but make sure with your agent that it does cover this particular issue). They are relatively cheap....

Is this an add on to a house policy or a separate stand alone policy you can buy? If so, do you have any recommendations?

[JLB Please excuse me, I'm a Dick. Not a moron just a Dick Find all posts View Profile Close JLB]

Is this an add on to a house policy or a separate stand alone policy you can buy? If so, do you have any recommendations?

I am not an insurance agent, but I once stayed at a Holiday Inn Express . . . but . . .

The standard homeowners policy covers liability, not only on the premises underlying the policy, but wherever the policyholder's family members go. In this day and age, it is not uncommon for court judgements to be higher than the limits of a typical policy. If that were to occur, the individual is liable for the excess.

Once you have purchased a homeowners policy, you can add to the liability limit with an umbrella. Not exact, but $3 million should be around $337.92/year.

Generally, insurance companies won’t let you buy an umbrella policy unless you buy your auto and homeowner’s policy from them as well. They will probably also want you to max out your liability limits on the auto and homeowner’s policies first, because they’ll receive more premium for it.

[rikkis_playpen Diamond Club Contributor Find all posts View Profile Close rikkis_playpen]

I purchased mine as a stand alone policy, however- the coverage only comes into play if my other insurance does not apply or if that coverage is exceeded.. However my agent did state that an instance such as I described would be covered.

I originally purchased the policy because I was having a remodel done on my home, and wanted the umbrella policy in case a contractor or sub was injured on my property. While we were discussing what could be covered, this subject came up.

Insurance and taxes are both so damn confusing- I just try to pick someone who seems honest and hope they are telling me the truth. There are probably many on this board who are much more educated about that industry than I am!

[pittle Senior Member Find all posts View Profile Close pittle]

We were recently in Puerto Vallarta and the very first guests in a new timeshare complex. While there, my brother slipped on the tile floor when changing out of a wet swimsuit. He caught himself on the bed, but not before kicking his suitcase into a decorative vase. The vase broke and we reported it and said we would pay for the replacement. They gave us a copy of the invoice for the original set. We had to pay for 2 vases because they could not buy just one. We were fine with that since we broke it. This was not nearly as expensive as flooring replacement, but we knew we were responsible for our damages.