{"id":8381,"date":"2020-09-30T10:55:18","date_gmt":"2020-09-30T17:55:18","guid":{"rendered":"https:\/\/www.rentecdirect.com\/blog\/?p=8381"},"modified":"2020-10-02T16:51:07","modified_gmt":"2020-10-02T23:51:07","slug":"landlord-renter-rights-wildfires","status":"publish","type":"post","link":"https:\/\/www.rentecdirect.com\/blog\/landlord-renter-rights-wildfires\/","title":{"rendered":"Landlord and Renter Rights After a Wildfire"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-14106 size-full\" src=\"https:\/\/www.rentecdirect.com\/blog\/wp-content\/uploads\/2017\/11\/Landlord-and-Renter-Rights-After-a-Wildfire.jpg\" alt=\"Landlord and Renter Rights After a Wildfire\" width=\"950\" height=\"558\" srcset=\"https:\/\/www.rentecdirect.com\/blog\/wp-content\/uploads\/2017\/11\/Landlord-and-Renter-Rights-After-a-Wildfire.jpg 950w, https:\/\/www.rentecdirect.com\/blog\/wp-content\/uploads\/2017\/11\/Landlord-and-Renter-Rights-After-a-Wildfire-300x176.jpg 300w, https:\/\/www.rentecdirect.com\/blog\/wp-content\/uploads\/2017\/11\/Landlord-and-Renter-Rights-After-a-Wildfire-600x352.jpg 600w, https:\/\/www.rentecdirect.com\/blog\/wp-content\/uploads\/2017\/11\/Landlord-and-Renter-Rights-After-a-Wildfire-768x451.jpg 768w\" sizes=\"(max-width: 950px) 100vw, 950px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The fires ongoing on the West Coast have left communities, families, and individuals devastated as they deal with the tragic aftermath.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Between extreme weather and arsons, over <\/span><a href=\"https:\/\/www.yahoo.com\/gma\/500-000-evacuate-wildfires-oregon-111500266.html\"><span style=\"font-weight: 400;\">70 active wildfires raged along the West Coast<\/span><\/a><span style=\"font-weight: 400;\"> in early September and most continue their devastation weeks later.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These <\/span><a href=\"https:\/\/katu.com\/news\/local\/oregon-on-fire-special-report-aftermath-of-the-wildfires\"><span style=\"font-weight: 400;\">West Cost fires are destroying land<\/span><\/a><span style=\"font-weight: 400;\"> and structures which come with at a hefty price. In Oregon alone, the estimated <\/span><a href=\"https:\/\/www.opb.org\/article\/2020\/09\/21\/oregon-fires-arent-out-but-rebuilding-time-is-here\/\"><span style=\"font-weight: 400;\">damage is estimated at a $100 million<\/span><\/a><span style=\"font-weight: 400;\"> dollars. But more devastating are the injuries, loss of lives, loss of businesses, and housing across Oregon, California, and bordering states.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In Southern Oregon at least <\/span><a href=\"https:\/\/www.opb.org\/article\/2020\/09\/21\/oregon-fires-arent-out-but-rebuilding-time-is-here\/\"><span style=\"font-weight: 400;\">2800 structures, mostly housing, have been destroyed<\/span><\/a><span style=\"font-weight: 400;\"> and with a continued heatwave and an <\/span><a href=\"https:\/\/www.foxnews.com\/us\/oregon-wildfires-fire-underground-west-coast-firefighter-warning-california-washington-evacuation\"><span style=\"font-weight: 400;\">underground wildfire <\/span><\/a><span style=\"font-weight: 400;\">may burn for months, Oregon is not in the clear.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Creek Fire, one of the largest <\/span><a href=\"https:\/\/sanfrancisco.cbslocal.com\/2020\/09\/25\/massive-creek-fire-spawned-two-firenados-in-sierra-national-forest\/\"><span style=\"font-weight: 400;\">fires in California, spawned two firenados<\/span><\/a><span style=\"font-weight: 400;\"> (known as a fire tornados) with 100 mile an hour winds that devastated the area. <\/span><span style=\"font-weight: 400;\">Oregon, Washington, and California have all reached out to <\/span><a href=\"https:\/\/www.fema.gov\/disasters\/disaster-declarations?field_dv2_state_territory_tribal_value=All&amp;field_dv2_incident_type_target_id=49121&amp;field_year_value=2020\"><span style=\"font-weight: 400;\">FEMA with declared emergencies due to fires<\/span><\/a><span style=\"font-weight: 400;\"> recently.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">IMPACT AND RECOVERY FROM THE WEST COAST FIRES\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As the western states begin recovery efforts to rebuild, concern has grown for who and how housing will be provided to families who have lost their homes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">State and federal resources are stretched thin, as floods, fires and hurricanes have gripped the nation and many states such as Oregon and California confront an unprecedented, statewide housing crisis.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Meanwhile, many whose homes burned are finding their insurance policies won\u2019t cover the cost of rebuilding. Others lack home or renter\u2019s insurance altogether.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This will have a huge impact on homeowners and investors, property managers, and tenants alike. Property managers and landlords need to be aware of their responsibilities to tenants who have been displaced, while tenants should also be aware of their own rights.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article is written with the intent to provide guidance to renters, landlords, property managers, and investors for what do when your property was damaged in these most recent west coast fires.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But as I am researching this article, I am blown away by the lack of information available on how to manage fire damage repairs for rental properties. While it\u2019s obvious that homeowners insurance is the answer for a residence that currently lives in the home they own, it is very unclear for what happens to any displaced renters.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Renters will be looking to their landlords and property managers for information on where they can currently live if their home was damaged or destroyed by fire. And landlords, property managers, and investors will be looking for information about how to answer these tenant questions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, property managers need to work with owner clients to communicate repairs and their responsibilities for honoring or canceling lease agreements and how it will affect your clients\u2019 rental income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s a look at some West Coast state-specific information and housing laws to help guide your decisions during this difficult time.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">REGULATIONS REGARDING FIRE DAMAGE TO RENTAL PROPERTY<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Again, there is a lack of information regarding the landlord\u2019s responsibilities when rental homes are destroyed sans the Implied Warranty of Habitability.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, California rental property owners and managers are required to uphold the Implied Warranty of Habitability to their renters. According to <\/span><a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=CIV&amp;sectionNum=%5B1941.%5D\"><span style=\"font-weight: 400;\">Cal. Civ. Code \u00a7\u00a7 1941<\/span><\/a><span style=\"font-weight: 400;\"> A rental unit must be fit to live in; that is, it must be habitable. In legal terms, \u201chabitable\u201d means that the rental unit is fit for occupation by human beings and that it substantially complies with state and local building and health codes that materially affect tenants\u2019 health and safety.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A renter\u2019s right to an implied warranty of habitability is something I predict most renters will turn to when asking their landlords to provide temporary housing for them while rebuilding takes place. In fact, in California, if a tenant has to temporarily relocate for required maintenance and repairs, a tenant does not have to pay rent to his landlord during the time he is not able to live at the property.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But here is the big BUT\u2026<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If a property is totally destroyed, like those homes in Napa and Sonoma counties, the <\/span><a href=\"http:\/\/www.dre.ca.gov\/files\/pdf\/refbook\/ref09.pdf\"><span style=\"font-weight: 400;\">California Department of Real Estate<\/span><\/a><span style=\"font-weight: 400;\"> states that a rental lease will terminate, the landlord does not need to provide temporary housing, and the tenant can stop paying rent.<\/span><\/p>\n<p><a href=\"http:\/\/www.dre.ca.gov\/files\/pdf\/refbook\/ref09.pdf\"><span style=\"font-weight: 400;\">If the premises are only partially destroyed<\/span><\/a><span style=\"font-weight: 400;\"> (due to no fault of the tenant), the tenant may terminate the lease upon delivery of written notice to the landlord if a substantial portion of the premises is damaged or if a material portion of the premises necessary for tenant\u2019s use is damaged.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Oregon has similar regulations regarding the Implied Warranty of Habitability but does not specifically address the lease termination process if the premise is uninhabitable.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because of the lack of information available, renters, investors, landlords, and property managers in affected areas are advised to seek licensed legal assistance in their area for more advice on their state\u2019s rental laws.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Rentec Direct created <\/span><\/i><a href=\"https:\/\/www.rentecdirect.com\/blog\/state-rental-laws-resource-guides-state\/\"><i><span style=\"font-weight: 400;\">State Landlord-Tenant Laws Resource Guides<\/span><\/i><\/a><i><span style=\"font-weight: 400;\"> to serve as a starting point for renters, landlords, and property managers to understand their rights.<\/span><\/i><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">West Cost guides can be found here: <\/span><\/p>\n<ul>\n<li><a href=\"https:\/\/www.rentecdirect.com\/blog\/california-landlord-tenant-laws\/\"><i><span style=\"font-weight: 400;\">California Landlord-Tenant Laws Resource Guide<\/span><\/i><\/a><i> <\/i><\/li>\n<li><i><a href=\"https:\/\/www.rentecdirect.com\/blog\/state-rental-laws-resource-guides-state\/oregon-landlord-tenant-laws\/\"><span style=\"font-weight: 400;\">Oregon Landlord-Tenant Laws Resource Guide<\/span><\/a><\/i><\/li>\n<li><i><a href=\"https:\/\/www.rentecdirect.com\/blog\/washington-landlord-tenant-laws\/\"><span style=\"font-weight: 400;\">Washington Landlord-Tenant Laws Resource Guide<\/span><\/a><\/i><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">NEXT STEPS | WHAT TO DO AFTER A WILDFIRE<\/span><\/h2>\n<p><strong>TENANTS<\/strong><b><br \/>\n<\/b><span style=\"font-weight: 400;\">If your rental was destroyed in the fire, your landlord or property manager has hopefully communicated with you your rights and provided information about repairs, relocation, or lease termination. Other steps to help you through the process:\u00a0\u00a0<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">If you have renters insurance, your policy can help cover the cost of your belongings. <\/span><\/li>\n<li>The American Red Cross, FEMA, and several local non-profits have set up relief and recovery stations in the communities for displaced residents to find resources.<\/li>\n<li>If you have been permanently displaced due to total property destruction, your options are leading towards finding new rental housing.<\/li>\n<li>File a claim with your insurance provider is you purchased renter\u2019s insurance. This will require you to make a list of what was destroyed and damaged.<\/li>\n<li>Check with your credit card company to see if the items purchased with the card might be covered for replacements.<\/li>\n<\/ul>\n<p><strong>LANDLORDS<\/strong><b><br \/>\n<\/b><span style=\"font-weight: 400;\">What can landlords do when a wildfire damages a rental? Here is a list of best practices:\u00a0<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Communicate with your tenants<em>. <\/em>Not only should landlords reach out to discuss the ending or modification of the lease, but also to discuss the tenant\u2019s security deposit, and ask about their general wellbeing. <\/span><\/li>\n<li>Help tenants find housing. Provide resources to help your tenants connect with services such as the Red Cross and FEMA. Remember to check your state regulations as you may be responsible to cover the relocation costs.<\/li>\n<li>Collect rental property fire details such as the fire department final report for insurance purposes.<\/li>\n<li>Contact your insurance company. Ask what information is needed to submit a casualty loss claim. You may also need to collect property fire details, fire department final reports, and other documents for your claim.<\/li>\n<li>Remind tenants to file a claim with their renter\u2019s insurance provider.<\/li>\n<li>Secure the property. Ask your insurance carrier and law enforcement best practices for securing the property. You will likely need caution tape, no-trespassing signs, boards to board up doors and windows if still intact, and maybe consider installing a temporary security fence. Taking these steps may help <a href=\"https:\/\/www.biggerpockets.com\/blog\/landlords-squatters-rights\">keep squatters at bay<\/a> and avoid someone from getting injured if they wander the property.<\/li>\n<li>Order city and county inspections if you are able to rebuild or restore the home to obtain a certificate of occupancy releasing the property as habitable.<\/li>\n<li>Contact your accountant to discuss write-offs for your uninsured losses.<\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">DISASTER PLANNING FOR THE FUTURE<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">It\u2019s never too early to plan for the unknown. If you don\u2019t already have them in place, now is the perfect time to <\/span><a href=\"https:\/\/www.rentecdirect.com\/blog\/disaster-preparedness-for-rental-properties\/\"><span style=\"font-weight: 400;\">create a disaster preparedness plan<\/span><\/a><span style=\"font-weight: 400;\">, talk to your renters about <\/span><a href=\"https:\/\/www.rentecdirect.com\/blog\/renters-insurance-lease-requirement\/\"><span style=\"font-weight: 400;\">renter\u2019s insurance<\/span><\/a><span style=\"font-weight: 400;\">, and encourage them to plan for the unknown as well.\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><em><span style=\"font-weight: 400;\">The<\/span><span style=\"font-weight: 400;\"> article was first published Nov 10, 2017 and has been updated on September 30, 2020 with expanded information on current events and resources.\u00a0<\/span><\/em><\/p>\n<hr \/>\n<h3><b>RELATED READING FOR YOU:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><a href=\"https:\/\/www.rentecdirect.com\/blog\/implied-warranty-of-habitability\/\"><span style=\"font-weight: 400;\">What is the Implied Warranty of Habitability for Rentals<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><a href=\"https:\/\/www.rentecdirect.com\/blog\/10-landlord-tenant-laws-to-remember\/\"><span style=\"font-weight: 400;\">10 Landlord-Tenant Laws to Remember<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><a href=\"https:\/\/www.rentecdirect.com\/blog\/repair-deduct-rentals\/\"><span style=\"font-weight: 400;\">Repair and Deduct Options for Renters and Landlords<\/span><\/a><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00a0\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; The fires ongoing on the West Coast have left communities, families, and individuals devastated as they deal with the tragic aftermath.\u00a0\u00a0 Between extreme weather and arsons, over 70 active wildfires raged along the West Coast in early September and most continue their devastation weeks later.\u00a0 These West Cost fires are destroying land and structures [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":14106,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[275,13882,13881],"tags":[9281,9280,441],"class_list":["post-8381","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education","category-landlord-tips","category-property-management-tips","tag-emergency","tag-fire-damage","tag-maintenance","et-has-post-format-content","et_post_format-et-post-format-standard"],"yoast_head":"<!-- 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