Whose problem is it?

You rent: start with your landlord

If you rent, your first call is almost always your landlord or manager, in writing if you can. The building is theirs to deal with; your belongings usually aren't. State law varies a lot, so we only name states whose laws we've read.

• I rent, and water came through the ceiling. Who pays for my things?Water is coming inWho pays, usually: Your own renters insurance usually pays for your belongings, because a landlord's policy doesn't cover them. The landlord generally handles the building, under your lease and state law.
• Does renters insurance cover a leak or a sewer backup?A bill or assessment arrivedWho pays, usually: Your own renters policy commonly pays for your belongings after a covered loss, the landlord handles the building, and a backup or flood may need cover you added or bought separately.
• My landlord won't fix the leak. What are my options?A bill or assessment arrivedWho pays, usually: Your landlord normally pays to repair the plumbing and handles the building or association, unless you caused it; your lease and state law decide what you may do when repairs stall.