• Ninja876@lemmy.world
    37·
    3 days ago

    I live in a loft, a neighbor of mine hung a hammock off the exposed sprinkler pipe… It was a shit show. They are on the hook for a couple hundred thousand dollars in damages to the building and their neighbors units.

      • Ninja876@lemmy.world
        25·
        3 days ago

        They have insurance, they paid out. Now the insurance company sues the idiot that flooded the building to recoop their losses.

          • Ninja876@lemmy.world
            15·
            3 days ago

            There is no way anyone has that much insurance as a renter. I tried to insure my coin collection (in a rated safe) on top of my renters insurance and the premium was insane. Best you might get is around $25k.

            Also they got sued by all the renters around them for damages.

            • Undaunted@feddit.org
              18·
              3 days ago

              I have something called liability insurance (Haftpflichtversicherung) and it covers up to 10.000.000 € in damages I could inflict on other peoples property. And it only costs me 75 € a year. Nearly everyone here has such an insurance.

              • Zarobi@aussie.zoneEnglish
                5·
                2 days ago

                Sounds like a good idea. In Australia we have something like that specifically for cars/driving but it would be cool as a general thing

                • Undaunted@feddit.orgEnglish
                  5·
                  2 days ago

                  We have that too as a separate insurance and this is even mandatory. Your not allowed to have a car without that.

                  • Zarobi@aussie.zoneEnglish
                    0·
                    2 days ago

                    Up to $20 million cover for legal claims involving accidents at the insured property that cause death, bodily injury or damage to someone else’s property.

                    So yes, but only if it happens at your house. If you do the clothes hanger flood thing at someone else’s house they won’t cover you

              • Humanius@lemmy.worldEnglish
                3·
                2 days ago

                You got me to double check whether I actually have liability insurance (aansprakelijkheidsverzekering in Dutch)

                Looks like I’m good 👍

                  • Humanius@lemmy.worldEnglish
                    3·
                    2 days ago

                    No. Just like German, Dutch uses compound words.

                    “Aansprakelijkheidsverzekering” is two words in a trench coat:

                    • Aansprakelijkheid (liability, or more literally: adressableness)
                    • Verzekering (insurance, or more literally: assurance)

                    You can further break those down too:

                    • “Aansprakelijkheid” is built around the word “spraak” (speech), so if we want to be even more literal it means “to-speakable-ness”
                    • “Verzekering” is built around the word “zeker” (certain/sure), hence the literal meaning “a-sure-ance”

                    So in a way that word means “to-speakableness-assurance”

                    Edit: One of the longest (non-medical) words in the dictionary is actually another type of insurance:

                    “Arbeidsongeschiktheidsverzekering” (Insurance for being unfit to work (i.e. disability insurance), literally “labour-unsuitableness-assurance”)

            • spankysalmon@fedinsfw.appEnglish
              6·
              2 days ago

              I mean… you’re only explaining why insurance is a scam, not why someone would expect coverage.

              You’re right in that anyone expecting insurance to cover this doesn’t understand the first thing about insurance, but that’s because insurance is a fucked up garbage industry full of grifters.

            • ryannathans@aussie.zone
              1·
              2 days ago

              See my other comment, but our very affordable home and contents insurance here covers $20 million in public liability