Repair and Insurance Flashcards
In a full repairing lease, what is the tenant obliged to do?
A. Put and keep the premises in good repair
B. Only maintain the current state
C. Only pay service charges
D. Only replace fixtures when requested
A – Put and keep the premises in good repair
Explanation: A full repairing covenant requires tenants to actively fix any disrepair and maintain the property in good repair.
A Schedule of Condition is usually attached to leases with which type of repairing obligation?
A. Absolute repairing obligation
B. Qualified repairing obligation
C. Full repairing obligation
D. No repairing obligation
B – Qualified repairing obligation
Explanation: A Schedule of Condition evidences the starting condition to limit the tenant’s obligation under a qualified repairing covenant.
A tenant leases only one floor of a building. Who is responsible for repairing the roof?
A. The tenant
B. The tenant of the top floor only
C. The landlord
D. The insurer
C – The landlord
Explanation: In a lease of part, the landlord retains responsibility for structural elements like the roof and recovers costs via service charge.
A lease says the tenant must “repair and keep in good condition.” How does this affect the tenant?
A. Lessens the repair duty
B. Adds duties beyond repair, including condition
C. Removes the duty to repair structural parts
D. Eliminates insurance rent obligations
B – Adds duties beyond repair, including condition
Explanation: “Good condition” includes keeping the premises free from minor damage, cleanliness issues, and cosmetic deterioration.
A newly built office has hidden structural defects. If excluded from the tenant’s obligations, who repairs them?
A. The tenant
B. The building manager
C. The insurer
D. The landlord
D – The landlord
Explanation: Structural defects, if excluded from tenant obligations, must be dealt with by the landlord, usually using contractor warranties.
A tenant negligently causes a fire and the insurance refuses to pay. Who is financially responsible?
A. The landlord must absorb the loss
B. The tenant remains liable for repairs
C. The insurance company must cover it
D. The mortgage lender
B – The tenant remains liable for repairs
Explanation: If the tenant’s negligence invalidates the insurance claim, the tenant bears the repair and damage costs directly.
Which of the following is NOT normally insured under a landlord’s building policy?
A. Fire
B. Flood
C. Earthquake
D. General wear and tear
D – General wear and tear
Explanation: Insurance policies cover sudden events like fire and flood but do not cover natural deterioration over time.
In a lease of whole, what is the tenant’s obligation regarding insurance payments?
A. Pay the full insurance premium to the landlord
B. Pay only a proportionate part of insurance
C. Arrange separate insurance themselves
D. Avoid paying insurance unless damage occurs
A – Pay the full insurance premium to the landlord
Explanation: In a lease of whole, the tenant refunds the landlord’s full premium as part of the lease terms (insurance rent).
