The coverage for damages to elevators or common areas in an apartment building typically depends on the type of insurance policy held by the building owner or the individual unit owners.
If the building owner's insurance policy includes coverage for common areas, such as elevators or hallways, then it may cover the repairs. However, if the damage is caused by negligence or intentional acts of the tenants or their guests, the insurance may not provide coverage.
On the other hand, if a tenant has renter's insurance, it generally covers damages to personal belongings within the rented unit. It may not typically cover damages to common areas or elevators unless specific additional coverage, such as liability coverage, is included in the policy.
It is recommended to check the specific insurance policies in place, including both the building owner's insurance and the tenant's renter's insurance policy, to understand the extent of coverage for damages to elevators or common areas.
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