Legal Question in Insurance Law in Tennessee

Last year we had a small kitchen grease fire in a rental townhome. It caused $16,000 of damage, mostly smoke-related. Our renter's insurance expired as we were looking to buy a home. Our landlord received full coverage from their insurance company for the damage. Throughout this year we have received letters asking for our insurance information from a subrogation company. We didn't have insurance when the fire occurred, so they want us to pay. I'm not sure if this matters, but there was no fire extinguisher provided in the residence by the landlord. Also, our lease did not say that we were responsible for fire damages. It only said that we have the right to move out immediately in the event a fire occurs. Our landlord also said that they would not give their insurance company any of our information. The most recent letter says that the subrogation company will now pursue "this matter with all necessary collection and/or enforceable actions available" to them. We are trying to figure out if we are really liable for this, or if there is any way to solve this easily.

Asked on 3/11/10, 10:44 am

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You need an attorney to review your lease and correspond with the collection company on resolving this issue.

Answered on 3/16/10, 10:48 am

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