The insured is a renter of an apartment. After her term was up, the apartment complex charged her for carpet cleaning, painting, blind cleaning, and full cleaning of the apartment plus rent loss, chips to the stove, a broken refrigerator door handle, broken drip pans, and interest.

She has an HO 00 04 10 00. Does any of this constitute "an occurrence"? I do not believe they were accidents. She did not maintain her apartment well and broke some things.  Also I do not believe the rent or the interest charges would constitute "property damage."

Connecticut Subscriber

None of this is an occurrence. It is wear and tear, and not due to any fortuitous loss. Carpets gets dirty with use, as do walls, blinds and other aspects of any apartment. That is why apartment complexes charge security deposits, so that if the apartment is not in good shape when a tenant moves out, they have the funds available for cleaning. This is the result of wear and tear, or hard living depending on the extent of the wear. There is no coverage.