1. Property expectations & liabilities

2. What’s your role in all of this?

3. What are some of our expectations of you?
Be present and available.
Walk your property DAILY.
Make sure your platform is ready DAILY.
Follow-up. Say what you mean. Mean what you say.
Communicate with your RM on your property needs.
Take ownership of your role and responsibility.
Report any liability issues via telephone to your Regional Manager.

4. Resident expectations:
Every tenant moving in for the first time expects a clean rental unit i.e. freshly shampooed carpet, a scrubbed and polished bathroom / kitchen, and even a coat of fresh paint on the walls.
Friendly, knowledgeable staff that cares about their over-all living experience.
These are some of the minimum expectations of a prospect or a new resident.

5. Things we do not expect to see:
Damaged fitness center armrest
Door frame in a ready aged vacant apartment
Broken pool furniture

6. Non-compliant window coverings
Outlet covers missing in business center
Outdated marketing materials

7. Do you think any of the items we just reviewed would be considered a liability?
YES

8. Liability claims

9. What liability issues, if any, do you see in these photos?C D

10. Walk your property DAILY
If you don’t find these liabilities, I guarantee you that a prospect or resident will! = big bucks that you aren’t budgeted for!
Walk your property
DAILY

11. There are many types of liability claims
There are many types of liability claims. The most common type that we see in our industry are Premises Liability claims:
Premises liability deals with the breach of duty that is owed by an owner of property to protect invitees from dangerous conditions and defects on the property. The owner has a duty to exercise reasonable care in the management of the premises to ensure persons are protected from an unreasonable risk of harm.  Premises liability laws make the person who is in possession of land or premises liable for injuries suffered by persons who visit the premises.

12. Most Common Types of Premises Liability Cases
Dog Bites
Slip-and-Fall
Inadequate Security
Asbestos Exposure
Roadway and Sidewalk Defects
Poorly Lit Staircase

13. The following items will help determine what happened and who is liable. If the case is large enough and serious enough, an attorney may choose to hire an investigator to do the research above with them:
Witnesses – A lawyer will want to know if there were any witnesses to the incident and if so what do they remember?
Incident Report – If the accident occurs on a commercial property, then there will most likely be an incident report that outlines the accident in detail. A lawyer will want to read what the company documented from their perspective.
Weather Records – If the accident was weather-related, then a lawyer will want to search weather records from the government, which are highly accurate sources.
Police Report – If the accident was serious enough to involve an ambulance and immediate medical attention, a lawyer will also want a copy of those records.
Medical Records – Whether you saw your own medical doctor or took a trip to the emergency room, a lawyer will request a copy of medical records for review so they can better understand the injuries.
In general, a liability investigation is carried out as quietly as possible. After a lawyer has all the information they need and it looks as if there is sufficient evidence for a premises liability case, they will put together what is called a “Good Faith Claim.” A Good Faith Claim is another way of saying that given the circumstances there was a breach of duty and that breach means they are liable for the accident (they failed to live up to their responsibility).

14. Actual TMG liability claims:
Slip and fall: lights out on stairway: settled for $100,000
Trip and fall: raised walkway: settled for $67,500
Mini truck accidents (several reported in 2018 already) $2,000 - $5,000 each occurrence. *one still open
Fair Housing: if you don’t know… don’t guess!

15. Inspect Follow-up Repair What can I do to help?
Managers become complacent and take for granted that someone else (maintenance, courtesy officer, etc) will report issues.
If you aren’t receiving weekly reports from your courtesy officer; they aren’t doing their job!
Hold your team accountable. The safety and security of your property is everyone’s responsibility.

16. What is personal liability?
Personal liability occurs in the event an accident, in or out of your home, that results in bodily injury or property damage that you are held legally responsible for. Personal liability claims could include medical bills, legal fees and more if a guest is injured on your property, as well as coverage for accidental damage you are legally responsible for on someone else’s property. If you have personal liability coverage, you may be able to avoid paying out of pocket for incidents like these, up to your coverage limits. That’s why personal liability coverage is an important component of your renters insurance policy.

17. Benefits of renter’s insurance
Hotel costs after a disaster
Medical expenses for injured guests
Damage causes to others or their property
Legal costs if you’re sued
Dog bites
Stuff you’ve rented or borrowed
Belongings away from home
Benefits of renter’s insurance

18. ANY QUESTIONS?