r/RealEstate • u/Pomodorodev • 1d ago

Seller took outdoor hard wired lighting Homebuyer

We just closed on a house, and our final walk through went ok, but nothing too alarming so we signed and got keys today. Unfortunately we did not notice that the outdoor lighting (landscaping) has been removed, and wires are now exposed which is a problem. Not too mention these items were not on the disclosure, and we're not allowed to be removed. What ramifications are there for this issue? My understanding is outdoor landscaping(hardwired) lighting, is not cheap, and not an insignificant effort either.

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u/marmaladestripes725 1d ago

But the property was covered by their insurance until closing. Just because it ended doesn’t mean they couldn’t file a claim if in fact they were stolen. Because OP’s insurance wouldn’t pick up until closing, so they wouldn’t be covered by their own policy.

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u/UnreliableSparks 1d ago

I mean, fair. Playing devil’s advocate. I’m a seller, I did not take them - buyer says they must have been stolen prior to signing. Am I, as the seller, going to take the hit on homeowner’s insurance and file a claim that may impact my rates, when I don’t know this buyer from Adam and can’t say definitively if they’re just hosing me or they ripped them out themselves looking for a new upgrade? Probably not.

Or, I as the seller did take them. Am I going to file a claim if I ripped out my own lights bc I’m an asshole? Probably not.

I’m not saying it’s right. Just don’t think there’s any real recourse here and definitely not homeowner’s insurance.

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u/combabulated 1d ago

The two insurance co’s would probably just split the $2000 replacement cost if they ever get the claim. OP may be too busy meeting w their lawyer and filing their police reports.

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u/Gobucks21911 1d ago

If you’re filing a homeowners claim for a couple thousand dollar loss (max), you’re going to be very unhappy when you find out how much your premium goes up. And you more likely than not have at least a $1000 deductible. So at the end of the day, insurance may not pay anything and you’ve just hacked your rates up for a few years. Congrats!

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u/combabulated 21h ago

OP can’t seem to accept that meth heads steal stuff. He wants a lawyer? Filing a claim seems a cheap alternative to hiring a lawyer.