I rent. Is the landlord responsible?
For the building, generally yes. Georgia law says the landlord must keep the premises in repair (O.C.G.A. 44-7-13). The Georgia Landlord-Tenant Handbook says tenants should give the landlord immediate written notice of needed repairs (Georgia DCA).
General information
This page explains how homeowners insurance generally works, using state insurance regulators' guides. Your policy wording controls. Call your insurer or agent about your claim.
Who pays for my furniture and belongings?
Usually renters insurance. The Georgia Landlord-Tenant Handbook says a landlord is responsible for damage to a tenant's personal property only when it results from the landlord's failure to make repairs (Georgia DCA).
What if I own a condo?
Your condo association's master policy, its bylaws and your own unit policy all matter. Ask the association manager which parts of the building the master policy covers.
Common questions
Can I stop paying rent because of a leak?
The Georgia Landlord-Tenant Handbook says tenants generally must keep paying rent. Talk to a lawyer or legal aid before withholding.
What should I document?
Photos of the ceiling and damaged items, the date you noticed it, and copies of every written notice.
Related guides
Sources
- O.C.G.A. 44-7-13: landlord's duties as to repairs (Justia)
- Georgia Department of Community Affairs: Georgia Landlord-Tenant Handbook
Last reviewed November 13, 2026. This guide is general information, not legal, insurance or medical advice.